About this site
About CanadianPropertyInvestor.ca
A free Canadian rental property calculator and resource hub built for investors who want to understand the full picture before they make a decision.
What this site is
CanadianPropertyInvestor.ca provides a free rental property ROI calculator and a library of guides written specifically for Canadian real estate investors. The flagship calculator estimates monthly cash flow, cap rate, cash-on-cash return, after-tax income, CCA depreciation and multi-year projections including capital gains on sale.
All tax formulas are sourced directly from CRA publications and linked on the methodology page, where you can verify every calculation the calculator performs. The site also covers the topics Canadian landlords and investors deal with most: landlord insurance, the mortgage stress test, Capital Cost Allowance, cap rate analysis and province-specific rules on land transfer tax and rent regulation.
This site is not a licensed financial advisor and does not provide personalized advice. Results from the calculator are estimates for planning and educational purposes. Always consult a qualified Canadian accountant before making investment decisions.
Where the information comes from
Tax calculations are sourced from CRA publications, not from third-party summaries. The links below go directly to the relevant CRA guides. Provincial rules are referenced with links to the relevant provincial authority.
Statement of Real Estate Rentals
Rental expense deductions, interest deductibility and CCA rental income restriction. Canada.ca T776
Business and Professional Income
CCA Class 1 rate at 4% declining balance and the half-year rule. Canada.ca T4002
Capital Gains
Capital gains inclusion rate at 50% for individuals per CRA T4037. Canada.ca T4037
Semi-annual mortgage compounding
Canadian mortgages compound semi-annually by law, not monthly as in the US. laws-lois.justice.gc.ca
Combined marginal tax rates by province
Provincial rate defaults in the calculator are sourced from the Canada Revenue Agency, which publishes current federal and provincial tax rates. Canada.ca — Tax rates and income brackets for individuals
Revenue and transparency
This site is free to use. It earns revenue through display advertising and affiliate commissions when visitors click through to third-party services such as mortgage brokers and insurance providers and complete a transaction. Affiliate relationships are disclosed where they appear and do not influence the calculator formulas or the content published on this site. Full details are in the privacy policy.
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Questions about the calculator, errors in a formula, content suggestions or anything else, you are welcome to reach out.
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