Headroom is a free Canada-wide housing affordability calculator. See what a home or rental really costs each month against your take-home pay, savings, and emergency fund; then compare rent vs buy and build a zero-based budget from the same numbers.
It covers every province and territory: land transfer tax, CMHC mortgage insurance, the OSFI stress test, and per-province take-home estimates. No signup; everything you enter stays in your browser.
Land transfer tax calculators: every Canadian province, Ontario, Toronto, and British Columbia. More: Ontario closing costs, the GST new housing rebate, the Ontario HST new home rebate, the Quebec welcome tax, and la taxe de bienvenue (Québec).
Other calculators: how much house can I afford (with a page for every province and territory), the mortgage renewal calculator, and the FHSA tax refund calculator.
Headroom est un calculateur gratuit d'abordabilité du logement pour tout le Canada : achat, location, louer ou acheter, et budget à base zéro. Aucune inscription ; tout reste dans votre navigateur.
