Property
Property calculators for taxes, maintenance planning, and seasonal heating costs.
Use these property calculators and guides to estimate taxes, maintenance costs, and seasonal ownership expenses with Canadian assumptions in mind.
Who this is for: Canadian homeowners planning taxes, maintenance reserves, and seasonal property costs.
- Budgeting for annual upkeep and replacements.
- Planning seasonal heating and winterization costs.
Start here
- 1. Estimate Property tax using assessed value and your municipality.
- 2. Build a reserve plan with the Maintenance forecaster .
- 3. For seasonal homes, estimate Cottage winter heating costs .
Guides by calculator
Short, practical guides that explain the assumptions behind the tools and common homeowner scenarios.
Property tax
Local tax estimates by value and rate.
- MPAC 101: How property assessments work in Ontario
A plain-language overview of MPAC values, how they’re used for tax bills, and what changes when you appeal.
New build cost
Estimate the all-in cost to build a new home.
No guides yet. We’re expanding this section.
Maintenance costs
Annual upkeep ranges by home type.
No guides yet. We’re expanding this section.
Cottage winter heating
Seasonal heating costs for winterization.
No guides yet. We’re expanding this section.
Furnishing cost
Estimate the real cost to furnish a new home.
- What to buy first when furnishing a new home
A practical order of operations so you cover the essentials before the extras and avoid costly re-buys.
- Hidden furnishing costs most homeowners miss
The add-ons that quietly inflate furnishing budgets, from delivery to window coverings to the extras in every room.
Data sources & assumptions
Estimates use typical Canadian rates and replacement cycles. Local by‑laws and contractor pricing can change; confirm with official sources.
FAQ
Do these estimates replace a municipal notice?
No. They’re planning estimates based on typical rates and assumptions. Always confirm with official notices.
Why do maintenance costs vary so much?
Costs depend on home size, age, materials, and condition. The forecaster uses typical lifespans and lets you override inputs.
Are seasonal properties handled differently?
Yes. The cottage winter heating tool models winter strategies and common add-ons like monitoring and plowing.
Do property tax estimates include special levies?
Not always. Some municipal levies are excluded in v1. Use official notices for exact totals.
Key definitions
Assessed value
The value used by municipalities to calculate property tax, not always market value.
Reserve fund
Budgeted savings for future repairs and replacements.
Winterization
Steps taken to protect a property during cold months, often with reduced heating.
Replacement cycle
The expected lifespan for a system before replacement.
Last updated: February 3, 2026