Ontario property calculators
The numbers that decide whether a move works: what a lender will approve, what the tax will be, what you need on closing day, and what you keep when you sell. Ontario and Toronto figures, verified 1 August 2026, with every assumption shown and editable.
Affordability calculator
What a lender will approve, once the stress test is applied.
Includes the OSFI stress test, which is usually what decides it.
Land transfer tax calculator
What the province — and Toronto — will want on closing day.
Correct above $3M, where Toronto stopped being simply double.
Closing costs calculator
Everything a buyer needs on closing day, beyond the down payment.
Shown as a percentage too, because that is how people sanity-check it.
Seller net proceeds calculator
What you actually walk away with after commission, HST and your mortgage.
Commission is editable, because it is negotiable.
CMHC insurance calculator
What default insurance costs with less than 20% down.
And the 8% Ontario tax on it, which is due in cash on closing.
Why these are worth trusting
Every rate on these pages comes from one dated file, and the "verified" date you see is rendered from the same place the arithmetic reads — so it cannot claim a check that did not happen. The figures are tested against the Land Transfer Tax Act and Toronto Municipal Code Chapter 760 every time this site is built; if a bracket is ever wrong, the build stops rather than publishing it.
That is not a flourish. Most calculators still treat Toronto's municipal land transfer tax as a copy of the provincial one, which was true until 1 January 2024 and understates a $4,000,000 purchase by $10,000 today. Ours does not, and there is a test whose only job is to stop anyone simplifying it back.
They are estimates for planning. Your lawyer's statement of adjustments is the number that settles it, and Elixir Real Estate is not a law firm, a lender or a tax adviser.