Calculators
Run the numbers, calmly.
See what a Calgary home could cost you each month, or whether a rental property would cash flow. Then let's turn it into a real plan.
Mortgage calculator
What could your home cost per month?
Minimum for this price: $30,000. Under 20% down needs mortgage default insurance.
Estimated monthly payment
$2,993
- Down payment
- $30,000 (5.5%)
- Mortgage insurance
- $20,800
- Total mortgage
- $540,800
- Amortization
- 25 years
Estimate only. Excludes property tax, condo fees and utilities. Rates are examples; confirm with a mortgage professional. Insurance uses CMHC's standard premiums.
No land transfer tax
Alberta charges Land Titles fees instead, which are much smaller.
First-time buyer?
The FHSA and RRSP Home Buyers' Plan can help with your down payment.
Calgary benchmarks
Detached $739,400 · Townhouse $412,400 · Condo $291,400 (CREB, Sept 2026).
Investment calculator
Would your rental cash flow?
A quick back-of-napkin check for investment properties. Play with the numbers, then send me the listing and I'll run it properly.
Monthly costs
Starting amounts are examples. Swap in real figures from the listing, condo documents and your insurance quote.
Monthly cash flow
−$291/mo
How the month adds up
- Rent coming in
- +$2,300
- Mortgage payment
- −$1,826
- Total monthly costs
- −$765
- Cash flow
- −$291/mo
- Down payment (20%)
- $82,480
- Annual cash flow
- −$3,492
- Cap rate
- 4.5%
- Cash-on-cash return
- -4.2%
- Gross yield
- 6.7%
Example only. Assumes 20% down (required for most rental properties), 25-year amortization and the monthly costs you pick (property tax, insurance, condo fees, maintenance, vacancy). Not financial advice; confirm with your lender and accountant.
Book a private consultation.
Step one starts with a conversation. No pressure, no obligation.