Know Your Numbers Before You Make the Move.
Right-sizing is one move with two financial sides. What you actually net from the home you're leaving helps determine what you can comfortably buy next.
Your Home Value Is Not the Same as Your Buying Power.
The number that matters is not simply what your current home may sell for. It is what remains after mortgages, commissions, taxes, legal costs and the other moving pieces are accounted for.
Start with your estimated sale price, then subtract debt and the real costs of selling.
Add land transfer tax, legal expenses, moving costs and other purchase-side expenses to the price.
Once both sides are visible, you can estimate your down payment, mortgage requirement and cash shortfall or surplus.
Sell. Buy. See the Whole Move.
Enter what you know. The calculator carries your estimated net proceeds from the sale into the next purchase automatically.
Build the Move From the Numbers Up.
All estimates are editable. Start with the defaults, then replace them with your actual lender, lawyer and moving quotes as you get them.
What Will You Net?
Estimate the amount available from the home you are selling after debt and selling costs.
What Will the Next Move Require?
Your estimated net proceeds are carried over automatically. Then we add the costs of buying the next home.
Sale Side
Purchase Side
Email Me My Right-Sizer Summary.
Send yourself a copy of the planning snapshot you just created. DREG will receive the same numbers so, if you want to talk them through, we can start with the information already in front of you.
Your requested calculator email is separate from marketing. You will only be added to real estate updates if you choose the optional checkbox.
The Costs People Forget Are Usually the Ones That Change the Plan.
Some costs are formula-based. Others depend on your lender, lawyer, property and moving plan. That is why every planning allowance in the calculator can be changed.
When You Sell
When You Buy
They Are Related. They Are Not the Same Thing.
Your offer deposit is money delivered as part of the agreement to purchase. Your down payment is the total amount of your own money going into the purchase at closing.
The deposit is credited toward the down payment. Ontario does not have one universal statutory minimum offer deposit, so the amount should be planned around the property, market and offer strategy.
Do Not Confuse “I Can Buy It” With “It Fits the Plan.”
A mortgage approval is one number. Your comfort level, retirement income, monthly carrying costs, emergency reserve and lifestyle goals are different numbers.
The right home has to work financially after closing too.
Use This to Start the Conversation. Then Verify the Numbers.
This calculator is for general Ontario planning and illustration only. It is not a mortgage approval, appraisal, legal opinion, tax opinion or statement of adjustments. Actual commissions, mortgage penalties, legal fees, insurance premiums, taxes, rebates, adjustments and closing costs can differ.
The calculator uses current Ontario Land Transfer Tax rates, Toronto Municipal Land Transfer Tax rates effective April 1, 2026, federal minimum down-payment rules, and standard CMHC homeowner mortgage-insurance premium bands. It assumes an owner-occupied residential purchase and does not calculate first-time buyer rebates, non-resident taxes or special exemptions.
Know the Numbers Before You Choose the Next Home.
We can model both sides of your move before anything is listed, so you understand what is possible before you have to make a decision.