Canadian Real Estate

Should you rent or buy?
Run the real numbers first.

Most people make Canada's biggest financial decision on gut feeling. This tool models the true cost of buying vs. renting — including mortgage interest, opportunity cost, and every fee most people forget.

Full rent vs buy analysis
Mortgage amortization
Affordability & stress test
Fixed vs variable recommendation
True cost of ownership
The number most people never calculate
The true first-year cost of buying a home is often $60,000–$90,000 above the purchase price.

Land transfer tax, legal fees, CMHC insurance, property tax, maintenance, and year-one mortgage interest. Our tool shows you the full picture — not just the monthly payment your bank quotes.