Property
Property calculators for taxes, maintenance planning, and seasonal heating costs.
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.
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