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Real Estate Calculators

Plan your purchase or sale with confidence. Free, instant estimates for mortgage payments, affordability, CMHC insurance, closing costs, and more.

Calculator 1

Mortgage Payment Calculator

Enter your purchase details to estimate your monthly and bi-weekly mortgage payments.

Results
Monthly Payment --
Bi-Weekly Payment --
Mortgage Amount --
Total Interest Paid --
Total Cost of Mortgage --
Estimates only. Contact a licensed mortgage professional for a personalized rate and qualification. Speak with our team.
Calculator 2

Mortgage Affordability Calculator

Based on standard GDS (32%) and TDS (44%) qualifying ratios used by Canadian lenders.

Car loans, student loans, credit card minimums, etc.
Results
Maximum Purchase Price --
Maximum Mortgage --
Estimated Monthly Payment --
GDS Ratio --
TDS Ratio --
Estimates based on GDS 32% / TDS 44% ratios and estimated property tax and heating costs. Lenders may use a stress test rate. Talk to our team about pre-approval.
Calculator 3

CMHC Mortgage Insurance Calculator

Mortgage default insurance is required in Canada when your down payment is less than 20% of the purchase price.

Results
CMHC Premium --
Premium Rate --
Base Mortgage --
Total Insured Mortgage --
Monthly Payment (insured) --
CMHC rates: 4.00% (5-9.99% down), 3.10% (10-14.99%), 2.80% (15-19.99%). Not required for 20%+ down or purchases over $1.5M. Provincial tax on premium may apply.
Calculator 4

Closing Costs Estimator

Estimate the total out-of-pocket costs you will need beyond your down payment on closing day.

Used to calculate mortgage registration fee.
Estimated Breakdown
Legal Fees (est.) --
Title Insurance --
Home Inspection (est.) --
Alberta Title Transfer Fee --
Mortgage Registration Fee --
CMHC Premium (if applicable) --
Total Estimated Closing Costs --
Estimates only. Actual costs vary. Does not include property tax adjustments, utility hookups, or moving costs. Consult your lawyer for a full statement of adjustments.
Calculator 5

Alberta Land Title Transfer Fee

Unlike Ontario and BC, Alberta does not have a land transfer tax. Instead, buyers pay a modest title transfer fee and mortgage registration fee to the Alberta Land Titles Office.

Leave blank if purchasing without a mortgage.
Alberta Land Titles Office Fees
Title Transfer Base Fee --
Title Transfer Value Fee --
Mortgage Registration Fee --
Total Government Fees --
Based on Alberta Land Titles Act fee schedule. Fees are approximate. Your lawyer will confirm exact amounts. Alberta has no provincial land transfer tax.
Calculator 6

Seller Net Proceeds Calculator

Estimate how much you will net from your home sale after paying off your mortgage, real estate commission, and closing costs.

Enter $0 if the home is owned free and clear.
Typically 3-5% of sale price in Alberta.
Proceeds Breakdown
Sale Price --
Mortgage Payoff --
Real Estate Commission --
Legal Fees --
Other Costs --
Estimated Net Proceeds --
Estimates only. Does not include mortgage discharge fees, property tax adjustments, or HST on commission. Request a free seller consultation.
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