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Plan with transparent assumptions

Home Affordability Calculator

Solve housing costs, insurance and debt limits together—not a flat income multiplier.

Prefilled amounts are examples—not personal advice, local quotes or guaranteed returns. Review every assumption. All amounts are Canadian dollars.

Include lender-required credit card/loan payments. Do not duplicate mortgage obligations entered separately.

Insured amortization beyond 25 years requires eligible first-time-buyer or new-build status; a 0.20 percentage-point premium surcharge is included.

50% counted in this illustrative qualification test; other tools count full cash costs.

Method and scope

Inputs are checked before calculation. Editing any field clears the previous result so it cannot be mistaken for an updated answer. Rules reviewed October 2, 2026. Confirm tax eligibility and mortgage terms with your professional.

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