Canada · Interactive Calculator

Canadian Property Investment Calculator

Calculate cash flow, Land Transfer Tax (LTT), and ROI for Canadian real estate. Supports Ontario, BC, and other provinces.

Last updated January 25, 2025
Analysis period 5-30 years (customizable)
Currency CAD ($)

Property & Purchase Details

Province/City Affects land transfer tax, property tax, and other regional costs. Property Price ($) Total contract price. Base for Land Transfer Tax. Down Payment (% of price) Upfront capital. Low deposit may require Mortgage Default Insurance (CMHC). Property type New property May affect depreciation/tax benefits. First home buyer eligible May apply for concessions if principal place of residence.

Calculated Purchase Costs

Land Transfer Tax: $0
Legal & Fees: $0
Inspection: $0
Lender fees: $0
Mortgage Default Insurance (CMHC): $0
Total upfront costs: $0

Loan Details

Interest rate (% per annum) Loan type Loan term (years) Offset/Savings balance ($)

Income & Ongoing Costs

Rental income ($ per month) Vacancy rate (% per year) Municipal Tax ($ per year) Condo Fees ($ per month) Insurance ($ per year) Property management (% of rent) Maintenance reserve (% of value) Property Tax applies

Growth, Tax & Holding Period

Investment horizon (years) Capital growth (% per annum) Rental growth (% per annum) Expense growth (% per annum) Marginal tax rate Include depreciation/allowances Selling costs (% of sale price)

Calculating...

Total Holding Costs

Over 10 years

Year 1 Cash Flow

Your first-year financial position

Annual rental income: $0
Total expenses (incl. interest): $0
Net cash flow (before tax): $0
Tax benefit/deduction: $0
Net out-of-pocket (after tax): $0

10-Year Outcome

Net wealth position at sale

Property value (grown): $0
Remaining loan balance: $0
Selling costs: $0
Capital Gains Tax: $0
Net proceeds after sale: $0
Profit: $0
Annualized return on equity: 0%

Key Investment Metrics

Gross rental yield 0%
Net rental yield (after costs) 0%
Loan-to-value ratio (LVR) 0%
Interest coverage ratio 0.00x
Break-even year (positive cash flow) Year -

Sensitivity Analysis

Test how changes affect your returns

Interest Rate Impact

Rate	Year 1 Cost	Profit
5.5%	$0	$0
6.5%	$0	$0
7.5%	$0	$0

Growth Rate Impact

Growth	Final Value	Profit
3%	$0	$0
5.5%	$0	$0
8%	$0	$0

Analyze your Canadian real estate investment opportunities with this detailed calculator. It handles provincial nuances including Land Transfer Taxes and the specifics of the Canadian mortgage market.

Land Transfer Tax (LTT)

LTT is a significant upfront cost.

Ontario: Progressive tax up to 2.5%. Toronto adds a municipal LTT, effectively doubling the tax.
British Columbia: Property Transfer Tax (PTT) is 1% on the first $200k, 2% up to $2M, and 3% above.
Alberta: No LTT, only small registration fees.

Financing Rules

Down Payment: Investment properties (non-owner occupied) typically require a minimum 20% down payment and are not eligible for CMHC default insurance.
Interest Rates: Investment loans may carry slightly higher rates than principal residence mortgages.

Taxation

Capital Cost Allowance (CCA): You can claim depreciation (CCA) on the building (usually Class 1, 4% declining balance), but this may lead to recapture upon sale.
Capital Gains: 50% of the capital gain is included in your taxable income.