Property Carrying Cost Calculator

Estimate monthly carrying costs using Canadian mortgage math, with interest entered in normal human format like 5 or 5%.

Purchase Price

Down Payment (%)

Interest Rate

Enter as 5 or 5% — not 0.05.

Amortization Length (Years)

Total Mortgage Amount

Purchase price minus down payment.

Monthly Mortgage Amount

Calculated using Canadian semi-annual compounding.

Condo Fees (Monthly)

Property Taxes (Monthly)

Insurance (Monthly)

Total Carrying Costs (Monthly)

Includes monthly mortgage payment, condo fees, property taxes, and insurance.