In short
Payotte gathers its 19 real-estate calculators here — land transfer tax, GST/HST on new homes, borrowing capacity, mortgage penalty, net sale proceeds… All obey the same rules: every computation rests on an official schedule validated at its source and dated (provincial statute, state schedule, published Bank of Canada rate), no market rate is ever assumed — when a figure exists only on your side, the field stays empty until you enter it — and when a schedule is not validated, the calculator shows "—" rather than an estimate. Each tool lives inside its dossier, with its sources and FAQ.
Buying
The buyer/seller bill on your price
What it computes — Price + province → the buyer's land transfer tax and the seller's commission at the rate you enter
What it rests on — Transfer-tax schedules of 9 jurisdictions validated at source (Toronto's double tax included); AB/SK registration fees at the statutory schedule
Open the calculator →Welcome tax (Quebec)
What it computes — Price + municipal rate above $500,000 → the tax bracket by bracket
What it rests on — Quebec's 2026 base schedule (indexed brackets) + the municipal rate you enter (1.5% to 3%)
Open the calculator →GST/HST on a new home
What it computes — Price + province + first-time-buyer status → gross tax, rebates (the better federal one is picked), net payable
What it rests on — GST 5%, QST 9.975%, provincial HST portions; Bill C-4 (2026, max $50,000), RC4028, Ontario/N.S./Quebec rebates
Open the calculator →Borrowing capacity
What it computes — Income + debts → the maximum loan you qualify for
What it rests on — Federal stress test (B-20: higher of 5.25% or rate + 2 pts), GDS/TDS ratios
Open the calculator →Down payment and mortgage insurance
What it computes — Price + down payment → CMHC premium, tax due in cash, cost of the financed premium
What it rests on — Mortgage default insurance premium schedule, federal minimum-down-payment tiers
Open the calculator →HBP + FHSA stacked
What it computes — Your contributions → the total tax shelter available for the same purchase
What it rests on — Federal caps: HBP $60,000, FHSA $8,000/yr and $40,000 lifetime
Open the calculator →Pre-purchase inspection
What it computes — Property type → the cost's order of magnitude and what the inspection covers
What it rests on — AIBQ range (reported by Centris) in Quebec, CMHC/WOWA working figure elsewhere — shown as ranges
Open the calculator →Financing
Fixed or variable rate
What it computes — Two rates → each scenario's payment and the real gap
What it rests on — Dated Bank of Canada reference rates; the real difference (penalty, trigger rate) explained alongside
Open the calculator →Mortgage penalty
What it computes — Balance + rates → three months' interest vs the rate differential (IRD), the higher one kept
What it rests on — The two standard contractual formulas — and the posted-rate trap that inflates the IRD
Open the calculator →Renewal shock
What it computes — Old rate + new rate → the jump in your payment at renewal
What it rests on — Actual contractual amortization; dated Bank of Canada reference rates
Open the calculator →Accessible equity (refinance/HELOC)
What it computes — Value + balance → what you can unlock, by refinance or HELOC
What it rests on — Regulatory cap of 80% of value (65% for a HELOC's revolving portion)
Open the calculator →Self-employed qualification
What it computes — Two years of net income → the admissible qualifying income
What it rests on — Two-year averaging and lender-admitted add-backs, as documented in the dossier
Open the calculator →The real cost of a B lender
What it computes — B rate + fees → the real premium vs an A lender, and the cost of waiting
What it rests on — Your rate and fees as entered — no "typical" B rate assumed
Open the calculator →Bridge loan
What it computes — Amount + duration → the cost of interim financing between two properties
What it rests on — Interest at the entered rate over the actual overlap period
Open the calculator →25- or 30-year amortization
What it computes — Payment, total interest and qualifying income at 25 and 30 years — precomputed on each city's reference home
What it rests on — Board-published prices (dated), Bank of Canada reference rate, current stress test
Open the calculator →Selling
Net proceeds of the sale
What it computes — Sale price + commission + balance → what you actually keep
What it rests on — Your commission as entered (no rate assumed), discharge and survey at documented ranges
Open the calculator →Tax on the capital gain
What it computes — Sale price, purchase price and expenses → gain, taxable portion, tax at your entered rate
What it rests on — Inclusion rate and marginal rate entered by you — the calculator assumes neither
Open the calculator →Closing adjustments
What it computes — Prepaid taxes and fees + closing date → the pro-rata the buyer reimburses the seller
What it rests on — Exact calendar pro-rata on your actual amounts
Open the calculator →Municipal assessment vs market value
What it computes — Assessment + comparative factor → the order of magnitude the roll implies
What it rests on — Your municipality's published comparative factor — and why the roll is not a price
Open the calculator →Frequently asked questions
Which real-estate calculators does Payotte offer?
Payotte gathers its 19 real-estate calculators here — land transfer tax, GST/HST on new homes, borrowing capacity, mortgage penalty, net sale proceeds… All obey the same rules: every computation rests on an official schedule validated at its source and dated (provincial statute, state schedule, published Bank of Canada rate), no market rate is ever assumed — when a figure exists only on your side, the field stays empty until you enter it — and when a schedule is not validated, the calculator shows "—" rather than an estimate. Each tool lives inside its dossier, with its sources and FAQ.
Why are some fields empty rather than pre-filled?
Because a pre-filled rate is an assumed rate. An agent's commission, your marginal tax rate, a B lender's rate: those figures exist only in YOUR file. Pre-filling them with a "market average" would produce a result that looks precise and is wrong. Our calculators show the result once you have entered the figure — not before.
Are the schedules up to date?
Every schedule carries its reading date, shown in the calculator's dossier with the link to its official source. When a schedule changes — like Alberta's registration fees, which doubled in October 2024 — the fix happens in a single code library, and every page using it follows together. When a schedule is not validated on our side, the calculator shows "—" rather than an estimate.
Why do the calculators live inside dossiers rather than on separate pages?
Because a number without context is a trap. The penalty calculator lives in the dossier that explains the posted-rate trap; the land transfer tax calculator, in the dossier that lists first-time-buyer exemptions. The tool gives you your number; the dossier tells you what to do with it — and cites its sources.
Do these calculators replace a professional?
No. They give the exact order of magnitude that public schedules allow — but your real file (negotiated rate, exemptions, special conditions) gets priced with a professional. Payotte names a single verified expert per trade and per sector, selected on public data, never on payment.
Number in hand — need a pro?
Payotte names a single verified professional per trade and per sector — realtor, mortgage broker, inspector, notary or lawyer, appraiser.
Find a verified expert