investment.deals
Free tools · Canadian numbers

Run the numbers before you make the move.

Real calculators for real decisions — buying a home, paying yourself first, and more. Built on verified Canadian rates, free to use, no sign-up. Pick a category below and start planning.

Choose a calculator to begin
Personal Finance
Real Estate Investing
Financial Check
Cost of Waiting
Pay Yourself First
This calculator is for educational purposes only and isn't financial, investment, or tax advice. Projections are estimates and aren't guaranteed — please consult your advisor for personalized details. Connect with an advisor →

Financial Check

Step 1 of 3
1

Where You Stand Today

A quick snapshot of your money — what comes in, what goes out, and what you've built. This sets the stage for everything below.

Monthly income

Employment
$
Self-employment
$
Investments
$
Total monthly$0

Monthly expenses

Housing
$
Transportation
$
Living & other
$
Total monthly$0

Your position

Current savings
$
Current debts
$
Net worth$0
Monthly surplus$0
Your snapshot
Enter your numbers above to see where you stand.
Ready to see what it costs to put this off? See the cost of waiting →

Cost of Waiting

Step 2 of 3
1

The Opportunity Cost of Delay

Money invested earlier has more time to compound. Waiting a few years doesn't just delay your start — it permanently removes the most powerful compounding years from the end of your timeline.

See what putting off investing really costs — not just the years lost, but the compounding you never get back.

How much you have to invest right now
$
How much you add each year
$
Expected investment return
%
Your full time horizon
yrs
How long you'd put it off
yrs
2

What You'd Have

Start investing now
$0
Wait 10 years
$0
Cost of waiting
$0
Now let's turn this into a habit. Learn the Pay Yourself First strategy →

Pay Yourself First

CAD
1

Your Income

Start with what you earn. We'll show how much a slice of it becomes over time when you invest it consistently.

Up to $1,000,000
$
How often you contribute
2

Two Savings Targets

"Pay yourself first" means setting aside a fixed share of income before spending on anything else. Compare two rates side by side to see how much the difference is worth after decades of growth.

Compare two savings rates side by side — a small difference today compounds into a large gap later.

Scenario 1 — first target
%
Annual set-aside$7,500
Per payment period$625
Scenario 2 — second target
%
Annual set-aside$3,750
Per payment period$313
3

Growth Assumptions

How long you stay invested and what return you assume. Both are estimates — markets don't move in straight lines.

Up to 50 years
yrs
Up to 16% — compounded monthly
%
4

Your Value After 25 Years

Setting aside 10.00% of your income and investing it in a tax-deferred account (like an RRSP) grows to about $435,287 after 25 years.
At 5.00%, it grows to about $217,643 after 25 years — a difference of $217,643 between the two.
The gap between the two$217,643
Assumes you contribute monthly at the start of each period, with the return compounded monthly across the full horizon. Taxes, fees, and inflation aren't included.
Scenario 1 (10.00%): —
Scenario 2 (5.00%): —
Difference: —

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Turn this projection into a real plan built around your goals.
Home Buying
This calculator is for educational purposes only and isn't financial or legal advice. Numbers are estimates — please consult your advisor for accurate, personalized details. Connect with an advisor →

Home Buying Calculator

CAD · Ontario
1

Down Payment

Canada sets a legal minimum down payment based on price — this fills in automatically. Use a different amount only if you know what you can put down.

$
5.0%
Minimum down
$25,000
20% down (no CMHC insurance) $150,000
—
Connect with an advisor to learn about CMHC →
2

Closing Cost

One-time costs beyond your down payment, due at or before closing: land transfer tax, legal fees, and optionally inspection, appraisal, and moving costs. Home insurance is a recurring cost, so it's counted in Monthly Cost below instead.
Changes which tax rules apply below
Unlocks rebates in ON, Toronto & BC
No
Includes title insurance, lawyer fees & admin fees — e.g. total $2,200
$
Not required — e.g. 500
$
Sometimes required by your lender — e.g. 300
$
Budget roughly — e.g. 1,500
$
Land transfer tax
Land transfer tax —
Total closing costs—
Total cash you need before keys
—
Down payment (—) + total closing costs above.
3

Monthly Cost

This is what it would actually cost you every period to afford this home — mortgage payment, property tax, insurance, and utilities.

%
Defaults to 30 — adjust if yours is different
yrs
Your mortgage payment, per month
—
Accelerated options pay the equivalent of one extra monthly payment per year — faster payoff, less interest overall.
e.g. 250 — electricity, heat, water, internet
$
e.g. 8,000 — for a real number, connect with an advisor
$
Only if this is a condo
$
e.g. 120
$
Total cost, per month—
Includes your mortgage payment above, plus property tax, home insurance, utilities, and condo fees (if entered).
Down payment: —
Total closing costs: —
Total cost, per month: —

Rent vs. Buy Calculator

CAD · Ontario
1

If You Bought

The core numbers for the home you'd buy — same idea as the Home Buying calculator, kept simple here.

$
%
%
yrs
Legal, land transfer tax, inspection, etc.
$
$
$
% of home value per year
%
$
2

If You Rented

What the equivalent home would cost to rent instead.

$
$
%
Rent, year 1 (monthly)—
Buy total, year 1 (monthly)—
Monthly difference—
3

Assumptions Over Time

If you rented, the down payment and closing costs you didn't spend get invested instead — this is what makes renting sometimes come out ahead on paper.

yrs
%/yr
Expected annual return, invested
%/yr
%
4

The Comparison

If you bought
Home value after horizon—
Remaining mortgage balance—
Selling costs—
Net worth from home—
If you rented & invested the rest
Initial lump sum invested—
Monthly savings invested too—
Net worth from portfolio—
Projected outcome
—
Fill in the numbers above to see how buying compares to renting and investing the difference.

This assumes a fixed mortgage rate for the full horizon, ignores capital gains tax on investments, and uses simplified annual (not monthly) compounding. Treat this as a directional comparison, not a forecast.

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See land parcels currently for sale across Ontario.

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Upcoming investor events and current opportunities across Ontario. The calculators are free to use anytime.

Upcoming Event
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Ontario Land
August 16 & August 27, 2026

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Richmond Hill, Ontario
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