Canadian Home Finance

Buy‑vs‑Rent Home Evaluator

See whether buying or renting builds more wealth over your mortgage — six interactive charts from one scenario.

Run a scenario

Enter the details below to generate your comparison charts.

House price ($) Total purchase price.

Down payment ($ or %) A dollar amount or a percent, e.g. 20%.

Mortgage term (years) Amortization length.

Find by address (optional)

Auto-fills the postal code from a street address.

Postal code Sets regional rates, land-transfer tax & rent.

Your age Sets your TFSA contribution room.

Annual income ($) Sets RRSP room & your tax rate.

Investing strategy Where the renter's savings go.

First-time buyer? Applies land-transfer-tax rebates (+ GST rebate on a new build).

New construction? New builds owe GST/HST on the price, net of the new-housing rebate.

Ontario 2026 HST rebate? Ontario only: temporary full-13% HST rebate on new builds ≤ $1M, all buyers.