01
Take-home pay
Your federal and Ontario tax, plus CPP, CPP2 and EI — net pay broken out monthly and yearly.
Interactive assessment · Solo or with a partner · Ontario 2026
See exactly what you can afford.
Take a five-minute assessment — on your own or with a partner — and get a clear, personalized read on your take-home pay, the home price you qualify for, how long to save your down payment, and your full monthly cost — all built on 2026 Ontario tax rules.
- Take-home pay
- What you can afford
- Down-payment timeline
- Full monthly cost
Your financial picture
What this assessment reveals
Four connected insights, calculated from your answers.
02
What you can afford
The home price you qualify for under GDS and TDS limits, tested against the mortgage stress test.
03
Down-payment timeline
How long it takes to reach your down-payment goal, and the monthly amount to hit it within five years.
04
Full monthly cost
Mortgage plus property tax, insurance, utilities and condo fees — your real all-in monthly number.
Step 1 of 520%
About you
How do you earn your income? This shapes your tax and CPP/EI.
Ontario, 2026 tax year. Other provinces aren't modelled yet.