The numbers, without the guesswork hidden inside
Before you make a move,
make the numbers talk.
Change an assumption. See what follows. These are planning tools, not approvals or predictions. You can use every one without handing over your email.
Choose the question you are working on ↓Choose a calculator
Mortgage payment
The price is paid once. The payment comes back.
BuyingTrue monthly ownership cost
The mortgage is not the whole monthly number.
BuyingCash flow after housing
A home should leave room for a life.
BuyingCash needed at closing
The deposit is not an extra down payment.
SellingHome sale net proceeds
The sale price is not the amount you keep.
MovingSelling and buying together
Equity on paper is not always cash on the right day.
BuyingComfortable purchase-price scenario
Start with the payment you want to live with.
MovingRent or buy comparison
Compare the assumptions before you compare the answer.
BuyingNew-home rebate component
“HST included” still deserves another question.
Formula checks completed September 5, 2026. Professional mortgage, tax and legal review is required before publication. Values are examples unless you replace them. Calculations run in your browser and are not submitted to a lead form.
When a number raises another question
Bring the part that
does not quite add up.
I can help put the real-estate decisions in order and identify what belongs with your lender, lawyer or tax advisor.
Talk it throughYour questions, answered
What belongs in the calculation?
Questions about down payments, closing cash and the cost of owning.
Find your answer