Free tools for Canadian renting
Practical calculators for landlords, tenants, and homeowners, built around how renting actually works in Canada. No sign-up, no catch. Run the numbers, then keep the records in Habyn.
Rent increase calculators by province
10 provincesEvery province sets its own rules, from a hard cap to no cap at all. Find the most rent can rise, the notice required, and when an increase can take effect, or compare all provinces in one table.
Ontario Rent Increase Calculator
See the most you can raise rent under Ontario's guideline, the dollar amount, and the earliest the increase can take effect with proper notice.
Open calculatorBC landlords and tenantsBritish Columbia Rent Increase Calculator
See the most a BC landlord can raise rent under the 2026 cap of 2.3%, the dollar amount, and the earliest the increase can take effect.
Open calculatorAlberta landlords and tenantsAlberta Rent Increase Calculator
Alberta has no rent cap. See the notice a landlord must give, how often rent can rise, and the earliest a lawful increase can take effect.
Open calculatorManitoba landlords and tenantsManitoba Rent Increase Calculator
See the most a Manitoba landlord can raise rent under the 2026 guideline of 1.8%, check the exemptions, and find the earliest an increase can take effect.
Open calculatorQuebec landlords and tenantsQuebec Rent Increase Calculator
Quebec has no fixed cap. See the TAL's 2026 estimated increase of 3.1%, what it does and does not mean, and how the refusal process works.
Open calculatorNova Scotia landlords and tenantsNova Scotia Rent Increase Calculator
See the most a Nova Scotia landlord can raise rent under the temporary 5% cap, the dollar amount, and the earliest the increase can take effect.
Open calculatorPEI landlords and tenantsPrince Edward Island Rent Increase Calculator
See the most a PEI landlord can raise rent under the 2026 allowable increase of 2%, the dollar amount, and the earliest it can take effect.
Open calculatorSaskatchewan landlords and tenantsSaskatchewan Rent Increase Calculator
Saskatchewan has no rent cap. See the notice required by tenancy type, the 18-month rule, and the earliest a lawful increase can take effect.
Open calculatorNew Brunswick landlords and tenantsNew Brunswick Rent Increase Calculator
See the most a New Brunswick landlord can raise rent under the 3% cap, the dollar amount, and the earliest it can take effect with six months notice.
Open calculatorNewfoundland and Labrador landlords and tenantsNewfoundland and Labrador Rent Increase Calculator
Newfoundland and Labrador has no rent cap. See the notice required by tenancy type and the earliest a lawful increase can take effect.
Open calculatorCalculators & estimators
18 toolsRent Receipt Generator
Create a free, print-ready rent receipt in seconds. Fill in the tenant, landlord, amount, and period, then print or save it as a PDF. No sign-up.
Open calculatorHome buyersLand Transfer Tax Calculator
Calculate land transfer tax on a home purchase in Ontario, Toronto, or British Columbia, including Toronto's municipal tax and first-time buyer rebates.
Open calculatorTenantsRent Affordability Calculator
Work out how much rent you can comfortably afford from your income, using the common thirty percent guideline and your own budget.
Open calculatorLandlords and tenantsProrated Rent Calculator
Calculate a fair partial month of rent for a mid-month move-in or move-out, by the days in the actual month.
Open calculatorLandlords and investorsRental Property ROI Calculator
Estimate cash flow, cap rate, and cash-on-cash return on a rental, so you can compare properties on the numbers.
Open calculatorHomeownersMortgage Payment Calculator
Estimate a Canadian mortgage payment by rate, amortization, and payment frequency, including accelerated options.
Open calculatorHome buyersMortgage Affordability Calculator
See how much house you can afford in Canada using the CMHC GDS/TDS ratios and the OSFI stress test, from your income, down payment, and debts.
Open calculatorHomeownersMortgage Renewal Calculator
Compare your current mortgage payment to the new payment at your renewal rate, and see how much more or less you will pay.
Open calculatorHomeownersMortgage Amortization Calculator
See your payment, total interest, and a year-by-year amortization schedule on Canadian semi-annual compounding.
Open calculatorHomeownersMortgage Penalty Calculator
Estimate the cost of breaking your mortgage early: three months' interest versus the Interest Rate Differential (IRD) for fixed rates.
Open calculatorHome buyersMortgage Stress Test Calculator
Check whether you pass the OSFI B-20 stress test, qualified at the greater of your rate + 2% or 5.25%, with GDS and TDS ratios checked.
Open calculatorHome buyersDown Payment Calculator
Find the minimum down payment for any Canadian home price under the tiered rules, and see whether CMHC mortgage insurance applies.
Open calculatorHome buyersCMHC Insurance Calculator
Estimate your CMHC mortgage default insurance premium by loan-to-value, and see the total mortgage and monthly payment with the premium included.
Open calculatorHome buyersDebt Service Ratio Calculator
Calculate your Gross and Total Debt Service ratios (GDS/TDS) against the 39% and 44% limits Canadian lenders use to qualify a mortgage.
Open calculatorOntario landlords and tenantsRent Deposit Interest Calculator
Work out the interest an Ontario landlord owes on a last-month's-rent deposit at the guideline rate, plus any top-up when rent rises.
Open calculatorOntario landlords and tenantsNotice Date Calculator
Find the earliest lawful date for a common Ontario tenancy notice (N9, N4, N12, N1) from the day it is served.
Open calculatorLandlords and investorsRental Income Tax Estimator
Estimate your net rental income (CRA Form T776) and the tax on it from rent, expenses, and mortgage interest.
Open calculatorAnyone in CanadaGST/HST Calculator
Add GST or HST to a price, or back it out of a total, for any Canadian province or territory, using the correct 2026 rates.
Open calculatorThese tools are general information, not legal or financial advice. Rules differ by province and change over time, so confirm the current numbers for your situation. For plain-language explainers, our journal covers the Residential Tenancies Act and rent increase guidelines, our lease agreement guides cover each province's rules, and our free guides are downloadable checklists.