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Calgary home buying calculators
Nine Calgary calculators share one engine and Calgary's 2026 rules. Start with the true monthly cost; then closing costs for possession day, property tax for your assessment, affordability and the stress test for what a lender allows, payments and prepayments for the mortgage itself, down payment for CMHC, and Alberta for other cities.
True monthly cost of owning
Everything owning costs each month, itemized, with cash to close and a 10-year model.
Calgary Closing Costs Calculator 2026
Land Titles fees, the tax adjustment for your possession date, GST on new homes.
Calgary Property Tax Calculator 2026
Your assessment × the 2026 rate, the City/provincial split, TIPP and community medians.
Calgary Mortgage Payment Calculator
Payments at every frequency and the balance at renewal.
How Much House Can I Afford in Calgary?
The price your income passes the stress test at, and the price your budget allows.
Calgary Down Payment and CMHC Calculator
Minimum down payment, CMHC premium and payment at each level.
Calgary Mortgage Stress Test Calculator
GDS and TDS at the qualifying rate with Calgary tax and heating.
Mortgage Amortization & Prepayment Calculator
Year-by-year schedule and what prepayments save.
Alberta Mortgage Calculator: Costs by City (2026)
The same purchase in 13 Alberta municipalities at their 2026 tax rates.
True monthly cost of owning in Calgary (embed)
Calgary closing costs calculator (embed)
Calgary property tax calculator (embed)
The City's 2026 median single-residential home, $706,000, with 10% down at 4.12% over 25 years. Each line is what one calculator answers.
| Price and down payment | $706,000, $70,600 down |
|---|---|
| Down payment calculator: legal minimum | $45,600CMHC premium at 10% down: $19,697 |
| Payment calculator: monthly payment | $3,489 |
| Property tax calculator: 2026 tax | $4,695 a year |
| Stress test: qualifying rate and income needed | 6.12%, $147,126 a year |
| Closing cost calculator: cash to close | $74,021down payment, Land Titles fees, the tax adjustment and example legal costs |
| True monthly cost calculator: all-in each month | $5,012$3,729 of it is cost; the rest is principal you keep |
For other questions
Renting it out instead? ↗
Rental cash flow, cap rate, suites and community data on our sibling, CalgaryMortgageCalculator.com.
Buy or rent in Calgary? ↗
The year-by-year buy vs rent model, seeded with Calgary rules, on BuyVsRent.ca.
Will you pass the stress test? ↗
Qualifying rate, GDS/TDS and ways to pass, on MortgageStressTestCalculator.ca.
Today's Calgary mortgage rates ↗
Dated rates to put in these calculators, on CalgaryMortgageRates.com.