Calculators
Real numbers for Nova Scotia. Free, no sign-up, and every assumption is editable. Nothing you enter is saved or sent anywhere.
Buying
What it costs to buy, and whether buying beats renting.
Cost-to-buy calculator
Cash to close, CMHC insurance, deed transfer tax and your monthly payment for any Nova Scotia home price.
Deed transfer tax calculator
Municipal deed transfer tax for every Nova Scotia municipality, plus the non-resident tax if it applies to you.
Rent vs. buy calculator
Compare your net worth after renting and investing the difference against buying, over any number of years.
Mortgages
What you can borrow, what you'll pay, and how to fund the down payment.
Mortgage calculator
Payments at any frequency, plus property tax, heating and insurance, and what you'll owe at renewal.
Affordability calculator
How much house you can afford on your income, using the stress test and the debt ratios lenders use.
CMHC insurance calculator
Your minimum down payment and the mortgage insurance premium with less than 20% down.
FHSA and Home Buyers' Plan calculator
How much your FHSA and RRSP can add to your down payment, and the tax refunds along the way.
Renting
For tenants checking a rent increase and landlords running the numbers.
Rent increase calculator
The most your rent can rise under Nova Scotia's 5% cap, and the earliest date a new rent can start.
Rental property calculator
Cash flow, cap rate and cash-on-cash return for a Nova Scotia rental, before you make an offer.
Selling
What selling costs and what you'll walk away with.
Commission calculator
Real estate commission plus HST on your sale, with a flat or two-tier rate.
Home sale proceeds calculator
What you'll walk away with after commission, legal fees and paying off your mortgage.