Tools & Calculators

Run the numbers yourself.

Free, accurate calculators built for Ontario buyers and investors. No sign-up, no spam, just the math you need before you make a move.

Land Transfer Tax

Ontario LTT Calculator

See the exact provincial tax on your purchase, including the first-time buyer rebate of up to $4,000.

Mortgage Payments

Payment Calculator

Real Canadian mortgage math with semi-annual compounding, default insurance, and payment frequencies.

Closing Costs

Closing Costs Calculator

The full cash needed on closing day: land transfer tax, lawyer fees, inspection, and the costs buyers forget.

For investors

Run a rental through the numbers

Built for buy, renovate, rent, refinance deals across Burlington, Hamilton, and Niagara. Nothing to install and nothing saved on my end: your scenarios stay in your own browser.

BRRRR Analyzer

Investment Property Analyzer

Model a rental end to end: per-unit rents, operating costs, financing, and the refinance. Cashflow, cap rate, and debt coverage update as you type, and you can export a lender-ready summary. Screening estimates, not an appraisal.

Have questions about your move?

Let's talk. No pressure, no pitch, just straight answers built on real local data.

Call Bernard Get a Home Evaluation