Free · Toronto · Live math

Should you rent or buy in Toronto?

Year-by-year break-even, mortgage, appreciation, and opportunity-cost — calculated in your browser. No login, no waiting.

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Your numbers

Default assumptions reflect Toronto-area houses in 2026. Edit anything.

Monthly rent current or target

Purchase price target

Down payment 10%

$65,000

Mortgage rate

Years staying 10 years

10y

If invested instead annual return

Home appreciation annual

Rent increase annual

After 10 years, you'd be

$— ahead by buying

Compared to the alternative, factoring mortgage interest, opportunity cost on your down payment, taxes, maintenance, and home appreciation.

Cash flow side-by-side

Cumulative cash spent + final equity over the holding period.

🏠 Renting

$—

—

🔑 Buying

$—

—

Cumulative renting cost Cumulative buying cost (net of equity) Break-even

Honest disclaimer: this is a math model, not a guarantee. Buying assumes 1.5% closing costs, ~1% annual property tax, $5k/yr maintenance + house fees, and selling costs of 5% at exit. Renting reinvests your would-be down payment and the buy-rent monthly difference at the rate above. Actual market outcomes vary.

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