Investment Tool

Use the tool below to estimate the return on a residential real estate investment. Enter your inputs or press Clear All Inputs to start fresh. The default values shown are for illustration only and are not from a real investment.

Property & Mortgage
Purchase Price
$
Down Payment
$
Mortgage Loan Insurance (CMHC)
$
Amortization Period
yrs
Mortgage Annual Interest Rate
%
Years Investment Held
yrs
Annual Appreciation of Property Value
%
Purchase & Sale Costs
Land Transfer Tax
$
Closing Costs (Purchase & Sale)
$
Real Estate Agent's Commission
%
Mortgage Penalty at Sale
Rental Income
Monthly Rental Income
$
Rental Vacancy Rate
%
Rental Annual Increase
%
Miscellaneous Income (yearly)
$
Ongoing Expenses
Yearly Property Tax
$
Property Tax Annual Increase
%
Yearly Maintenance & Repair
$
Monthly Insurance
$
Monthly Condo Fees
$
Miscellaneous Expenses (yearly)
$
Vacant Unit Tax (yearly)
$
Tax Rates
Your Income Tax Rate (for Rental Income)
%
Your Income Tax Rate (for Capital Gain)
%
Results
Enter your inputs above and press Calculate to see results.

Disclaimer: This tool is for informational and illustrative purposes only. Results are estimates based on simplified assumptions and should not be relied upon as financial, legal, or tax advice. In Canada, only 50% of a capital gain is included in taxable income (capital gains inclusion rate). Mortgage interest is generally deductible against rental income for tax purposes. Please consult a qualified financial advisor, accountant, or mortgage professional before making any investment decisions.