Guidance First
Free planning calculators
Real Estate Calculators for Brampton, Mississauga and the GTA
Five calculators to estimate the numbers behind an Ontario purchase or sale: monthly mortgage payment, CMHC insurance, land transfer tax, total closing costs and seller net proceeds. Each one is free, requires no sign-up, and gives a planning estimate you can bring into a real conversation with Gaurang.
Every calculator is a planning estimate only. Confirm final numbers with your lender, lawyer, accountant or a licensed professional.
Not sure which one you need?
Match the calculator to the decision in front of you:
- Budgeting a purchase? Start with Mortgage, then Closing Costs.
- Down payment under 20%? Check CMHC Insurance.
- Comparing Toronto vs. outside Toronto? Use Land Transfer Tax.
- Thinking about selling? Use the Seller Net Sheet.
All five calculators
Pick the calculator that matches your question.
Each calculator opens its own page with a full worksheet, plain-English explanations and a printable result.
Mortgage Calculator
Compare up to four down-payment scenarios, monthly principal and interest, and an illustrative payment at the qualifying rate.
Estimate payments ->CMHC Insurance Calculator
Estimate mortgage default insurance premiums and Ontario tax on the premium when your down payment is below 20%.
Estimate insurance ->Ontario Land Transfer Tax Calculator
Estimate Ontario land transfer tax, Toronto's municipal tax, and the first-time buyer refund for both.
Estimate tax ->Ontario Closing Costs Calculator
Combine land transfer tax, mortgage insurance tax and your own entered costs into one buyer-cost worksheet.
Estimate closing costs ->Seller Net Sheet Calculator
Estimate possible proceeds after mortgage payout, commission, HST, legal fees and other selling costs.
Estimate proceeds ->Plain English
These numbers work better together than alone.
Simple explanation: A mortgage payment, a down payment and a purchase price are only part of the picture. Land transfer tax and CMHC insurance change your closing-day cash. If you're selling and buying at the same time, your net proceeds change what you can afford next. Running these calculators together, instead of one in isolation, gives a realistic budget instead of a partial one.
Who this helps
Built for buyers, sellers and move-up homeowners.
First-time buyers
Start with the Mortgage Calculator, then add Land Transfer Tax and Closing Costs to see the full cash picture before you shop.
Move-up buyers
Use the Seller Net Sheet on your current home alongside the Mortgage Calculator on your next purchase.
Sellers
The Seller Net Sheet estimates what you may keep after commission, HST, legal fees and other selling costs.
Buyers under 20% down
Check the CMHC Insurance Calculator to see the premium and Ontario tax added to a typical insured mortgage.
Toronto comparisons
The Land Transfer Tax Calculator shows the added municipal tax only when a property is inside the City of Toronto.
Newcomers to the GTA
Use all five calculators together to understand Canadian buying and selling costs before relying on assumptions from another market.
Common questions
Questions before you start.
Which calculator should I start with?
Buyers usually start with the Mortgage Calculator to estimate a monthly payment, then use the Land Transfer Tax and Closing Costs calculators to estimate cash needed beyond the down payment. Sellers, or anyone buying and selling together, should also use the Seller Net Sheet Calculator.
Do these calculators work together?
Yes. The Closing Costs Calculator already includes the Land Transfer Tax and CMHC Insurance estimates as line items, and links out to each detailed calculator for a deeper breakdown. A move-up buyer can use the Seller Net Sheet alongside the buyer calculators to see both sides of a move.
Are these calculators free to use?
Yes. All five calculators are free, require no account, and do not require submitting contact information to see a result.
Are these results final numbers?
No. Every calculator on this page produces a planning estimate only. Final rates, taxes, fees and eligibility should be confirmed with the appropriate lender, lawyer, accountant or licensed professional.
Next step
Turn your estimate into a plan.
Run the numbers, then bring them to a real conversation. Gaurang can help connect any of these estimates to your actual budget, timeline and target area.
This page provides general real estate information only and is not legal, mortgage, tax or financial advice. Gaurang Shah is a Real Estate Broker with Team Shah Real Estate at Royal LePage Flower City Realty. Call or text (647) 892-2411 or email mail@myshahteam.com.