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Free home-buyer tools

Calculators for every step of buying a home

Free, no sign-up. Work out what the home itself might cost you, then run the numbers on the mortgage, the tax and the upkeep.

Know the home

The part a listing does not tell you: what the problems cost, what they are worth in a negotiation, and what an insurer will ask about.

Home Repair Cost Lookup

Search 95 common home problems, from knob-and-tube to a failing roof, and see the real Canadian range.

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What Is This Worth?

Tick the problems you found and get a defensible repair range, sorted by what needs doing first, to take into a price conversation.

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Insurance Pre-Check

The things Canadian insurers actually ask about, and what resolves each one, before your conditions expire.

Run the check →

Printable Showing Checklist

The full red-flag walkthrough on one page, with tick boxes and a notes column. Print one per home.

Print or save PDF →

For libraries, housing help centres and credit counsellors

Everything on this page you can print, hand out or link to, in one place. Free, no sign up, nothing collected from the people you give it to.

See what you can hand out →

Run the numbers

Mortgage, affordability, tax and upkeep, for once you know the home is worth pursuing.

Mortgage Payment Calculator

Estimate your monthly or bi-weekly payment from price, down payment, rate, and amortization, with total interest.

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How Much Can I Afford?

Turn your income, debts, and down payment into a realistic maximum home price, including Canada's mortgage stress test.

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Land Transfer Tax Calculator

Estimate land transfer tax by province, Ontario, Toronto, BC and more, with first-time buyer rebates.

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What It Costs After the Keys

The number listings never show: a realistic yearly maintenance budget based on the home's value, age, and size.

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Closing Cost Calculator

What you actually need in cash on closing day, including the sales tax on your CMHC premium that cannot be added to the loan.

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First-Time Buyer Money Pack

Six printable pages: closing day, the year after, the FHSA and Home Buyers' Plan, and what to ask. Print blank copies to hand out.

Print or save PDF →

Found a home you love? Read it before you tour.

Casaroo reads the bones and the appearance of any listing, free, in seconds.

Free listing check →