Home Buying Calculators & Tools
Free interactive tools to help you plan your home purchase — built for Canadian first-time buyers with 2026 rules and rates.
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Mortgage Calculator
Estimate monthly payments, CMHC insurance, and stress-test qualification for 2026 Canadian mortgages.
Open tool →Affordability Calculator
See how much house you can afford using GDS/TDS ratios and the mortgage stress test.
Open tool →Closing Cost Calculator
Estimate land transfer tax, legal fees, and total cash needed at closing by province.
Open tool →Comparison Tools
Compare rent vs buy, FHSA vs RRSP HBP, and fixed vs variable rates side by side.
Open tool →Timeline Planner
Map month-by-month milestones from saving through closing for your purchase timeline.
Open tool →City Comparison
Compare home prices and buying costs across Canadian cities for first-time buyers.
Open tool →Document Checklist
Track every document needed for your mortgage application and home purchase.
Open tool →Cost of Waiting
See how appreciation, rent, and interest add up for every month you delay buying.
Open tool →Province Selector
Find federal and provincial first-time buyer programs for your province or territory.
Open tool →Readiness Assessment
A 2-minute check on credit, savings, stress-test readiness, and your next steps.
Open tool →Continue learning
Pair these calculators with our free guide modules for the full picture.
Module 1
Are You Ready? — Credit scores, the stress test & affordability
Module 2
Saving Smart — FHSA, RRSP HBP & stacking strategies
Module 3
Down Payments & Mortgages — CMHC insurance, fixed vs. variable
Module 4
Government Programs — Federal & provincial incentives by province
Module 5
Finding a Home — Building your team & the search process
Module 6
Making an Offer — Purchase agreements, conditions & negotiation
Module 7
Closing the Deal — Closing costs, land transfer tax & your lawyer
Module 8
Life After Closing — Emergency fund, maintenance & building equity
Done running the numbers?
FirstHomeGuide tools are free and educational. When you want personalized next steps, book a call with a licensed professional.
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