Everything you pay once to complete the purchase. Down payment is added automatically from the financing above.
| Item | Amount | |
|---|---|---|
| Down payment (10%) | — | |
| Total upfront cost | — |
Enter each earner's gross salary; the tool deducts federal + Québec income tax and payroll (QPP, EI, QPIP) to get take-home. Switch a row to “Net” if you'd rather type an exact after-tax figure.
| Source | Amount | Per | Type | Net / yr | |
|---|---|---|---|---|---|
| Gross income | — | ||||
| Income tax + payroll deductions | — | ||||
| Net take-home income | — |
Québec school tax is a single province-wide rate: (municipal evaluation − $25,000 exemption) × rate. Municipal tax varies by city/borough — enter your annual amount.
Enter each cost at whatever cadence is natural (weekly groceries, monthly phone, annual insurance) — everything is normalised to a yearly total. Mortgage and property tax are added automatically.
| Expense | Amount | Per | Annual | |
|---|---|---|---|---|
| Mortgage payment | — | — | ||
| School tax | / year | — | ||
| Municipal tax | / year | — | ||
| Total expenses (incl. mortgage & tax) | — |
Enter a few candidate homes to compare their mortgage & monthly carrying cost using your financing assumptions above. Taxes column auto-fills school tax at your rate; edit to add municipal.
| Label / address | Price | Muni eval | Year | Taxes /yr | Down | Mortgage | Monthly mortgage+tax |
|---|