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Free Calculator · Canada-specific

Should you rent or buy
in Canada?

The only calculator that gets Canada right — CMHC insurance, Ontario land transfer tax, Toronto municipal LTT, first-time buyer rebates, and true opportunity cost.

Your situation

Location
Le logement
$
$
The Mortgage
%
Renting
$
Time Horizon & Investment
Break-even année
—
At your 10-année horizon:
Buying net worth
—
Renting net worth —

Net worth over time

Buying (home equity)
Renting (invested portfolio)

One-time costs to buy

Annual cost comparison

Year Monthly mortgage Maintenance Total owning Loyer mensuel

Avis de non-responsabilité: This calculator provides estimates for informational purposes only and does not constitute financial, mortgage, legal, or tax advice. Results are based on the assumptions you enter and simplified financial models. Actual costs, tax obligations, and investment returns will vary. Tax rules, CMHC premiums, and government fees change — verify current amounts with a mortgage professional or the relevant government agency before making any financial decision. This tool is not affiliated with CMHC, the Government of Canada, or any provincial government. Last updated: March 2026.