Methodology

All calculators run on numbers you enter. Results are estimates, not verified facts.

• Affordability: housing cost = rent + utilities + parking + tenant insurance. Remaining = income − housing − transportation − other essentials.
• Move-in: sum of entered upfront items. Deposit rules differ by province and territory; the deposit field is yours to fill only where lawful.
• Comparison: monthly total = rent + utilities + parking + transportation. Highlights only compare the entered numbers.
• Investment: NOI = effective income − operating expenses, before debt service. Cash flow = NOI − mortgage payment. Cash-on-cash = annual cash flow ÷ cash invested. Break-even occupancy = (operating expenses + mortgage) ÷ gross income. Mortgage payments use a standard amortization formula with semi-annual or monthly compounding and may differ from a lender quote.

Calculation functions are covered by automated tests in the project.