BC Real Estate Calculators
Interactive calculators for BC residential real estate. Each calculator pulls bracket values, exemption thresholds, and tax rates directly from the BC Real Estate Codex — so when CRA changes a rate, every calculator on every page updates simultaneously.
Financial calculators
Mortgage payments, what you can actually afford, rent vs. buy, the full cash a buyer needs to close, rental-property returns, and what a seller nets at completion. Every number reads from the Codex Fact Bank.
Mortgage payment
Your mortgage payment, calculated with the semi-annual compounding Canadian lenders actually use. Try 25- or 30-year amortizations and monthly, bi-weekly, or accelerated bi-weekly schedules, with a snapshot of where you'll stand at renewal.
Open calculatorWhat you can afford
What a lender will actually approve — your maximum mortgage and purchase price, worked out against the federal mortgage stress test and the standard limits on how much of your income can go to housing costs and debt. Includes a closing-cost estimate.
Open calculatorRent vs. buy
Whether buying or renting leaves you better off, over a timeframe you choose. Shows how sensitive the answer is to home appreciation, investment returns, and rent growth — the three numbers that decide it.
Open calculatorCash to close — for buyers
Every dollar a buyer needs on completion day — Property Transfer Tax, legal fees, title insurance, property-tax and utility adjustments, sales tax on mortgage insurance, and moving — bundled into one number you can hand to your notary.
Open calculatorRental investment returns
The numbers that decide a BC rental property — yield, debt-service coverage, and cash-on-cash return — and where a property that looks fine on yield can still fall short on financing under the lender stress test.
Open calculatorNet proceeds — for sellers
What a BC seller actually walks away with on completion — after the mortgage payout and any prepayment penalty, commission and tax, legal fees, adjustments, the BC Home Flipping Tax, and capital-gains tax where it applies.
Open calculatorMoving up — sell and buy
Selling one home and buying a bigger one, start to finish: the proceeds from your current home, whether the next one passes the mortgage stress test, and the cost of bridge financing if you buy before your sale closes.
Open calculatorMoving down — sell and buy
How much cash a downsize actually frees up — the proceeds from selling your larger home, the tax check on the gain, and what's left after buying the smaller next home and covering its closing costs.
Open calculator
Property Transfer Tax Calculator
BC Property Transfer Tax with its marginal-rate brackets, the first-time-buyer and newly-built exemptions, and the 20% additional tax on foreign buyers. Same brackets apply everywhere in BC — one calculator covers every area.
All calculators are estimates only — your notary, lawyer, mortgage broker, or REALTOR® will compute the final values on the Statement of Adjustments. Bracket values + exemption thresholds re-verified May 2026 against www2.gov.bc.ca and bclaws.gov.bc.ca.
