Are these Calgary calculators free?

Yes, all of them, and none require an email to show the result. They cover mortgage payments and affordability, closing costs, the new-home GST rebate, rental yield, home value, net proceeds, and Alberta tenancy rules.

Which calculator should I use first?

If you are buying, start with the mortgage calculator: it answers what the payment is, what you can afford, and what your down payment buys, then links to the homes on the market in your range. If you are selling, start with the home value estimate and the net proceeds calculator.

Are these numbers Alberta specific?

Yes. Alberta has no land transfer tax and no provincial sales tax on the CMHC premium, so national calculators overstate Calgary closing costs by thousands. Property tax rates are set per municipality for Calgary, Airdrie, Chestermere, Cochrane and Okotoks.

The toolkit

Run the numbers

Every calculator and quiz on this site, in one place. All free, none of them ask for your email to show you the answer.

Short answer ▸

This toolkit covers mortgage payment and affordability with the Canadian stress test and CMHC premium, what a down payment buys, closing costs and the new-home GST rebate for Alberta, rental yield and operating costs for investors, home value and net proceeds for sellers, a neighbourhood match quiz, and the Alberta Residential Tenancies Act rules for landlords and renters. Every tool shows its result without requiring an email, and every figure that comes from an outside source carries that source.

Start with the one most people need

The mortgage calculator answers the three questions people actually search: what the payment is on a given price, what you can afford on your income, and what your down payment buys. One tool, three directions, and it ends at real listings in your range.

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Mortgage and money

Start here if the question involves a number with a dollar sign. All of these share one Canadian mortgage engine, so they agree with each other.

Mortgage calculatorPayment, affordability, and what your down payment buys, in one tool. CMHC premium and stress test included. Mortgage rates todayPrime, the bond yield that drives fixed rates, and the stress test floor. From the Bank of Canada, daily. What can I afford?Income in, maximum price out, with the ratios lenders actually use. Down payment plannerHow long to save, and what each milestone unlocks. Closing costsWhat completes the purchase beyond the down payment, Alberta specific. New home GST rebateWhat you get back on a new build, and when you do not. Renewal shockWhat your payment becomes when a low-rate term ends. Rent vs buyThe honest version, including the costs owning adds.

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Buying a home

For deciding where, what, and whether now.

Neighbourhood match quizTen questions, then the Calgary communities that actually fit how you live. New build matcherWhich builder and community suit what you want. Calgary vs your cityWhat the same money buys, and what changes day to day. Paths to ownershipHonest about which routes work, including the ones that mostly do not. Search every listingThe full CREA feed, refreshed every 15 minutes.

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Selling

What it is worth, and what you actually walk away with.

What's my home worth?An instant estimate, then a real one if you want it. Net proceedsSale price minus everything, so the number is the one that lands. Equity trackerWhat you have built, and what it could do next. Services and feesWhat listing with me includes, itemised.

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Investing and rentals

Whether a property pays, and what it costs to run once you own it.

Deal analyzerFull analysis on a specific property. Rental yield and cap rateWhat it returns, with every assumption shown. Operating costsTax by municipality, turnover, net operating income. Is my rent below market?What a drifted rent costs, and how long Alberta law takes to fix it. Secondary suite ROIWhether a legal suite pays for itself. Investor snapshotWhere the cash flow is right now.

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Alberta tenancy rules

For landlords and renters. Every rule cites its section of the Act.

Security depositsThe cap, the 10-day deadline, and the interest owed. Rent increasesNo cap on the amount, strict rules on timing. Ending a tenancyNotice periods and the grounds a landlord needs. Inspection report templatePrintable. The document that protects the deposit.

Want a second opinion on your numbers?

Send me what you worked out and I will tell you what a lender or a buyer will actually say about it. No obligation, and no sales pitch you did not ask for.

Last updated 2026-08-19 · Written by Mohammad Emon, REALTOR® (SRES®) & Licensed Property Manager, KO Realty · RECA licence LIC-00666633

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