See Beyond Monthly Payments
Make smarter housing decisions with complete cost analysis tools designed for Canadian real estate
Get detailed breakdowns of carried costs, unrecoverable costs, opportunity cost analysis, and comprehensive affordability metrics to understand the true financial impact of your housing decisions.
Analyze My Housing Costs
Most Housing Calculators Miss Half the Picture
Traditional affordability tools only show monthly payments - but that's not the whole story
Hidden Opportunity Costs
Your downpayment and extra mortgage payments could be invested in the stock market instead, earning you more money in the long run
Interest vs Principal Confusion
Not all mortgage payments are equal - interest is lost forever while payments towards the principal builds equity
Incomplete Analysis
Basic calculators ignore maintenance, taxes, insurance, and don't provide true affordability metrics
TruCost Shows You the Complete Financial Picture
Advanced analysis tools that separate what you can recover from what you lose forever
Carried vs Unrecoverable Costs
See exactly what you pay each month (carried costs) versus what you lose forever (unrecoverable costs like interest and opportunity cost).
Canadian-Focused Calculations
Accurate mortgage calculations following Canadian regulations, with real opportunity cost analysis against market returns.
Multi-Property Analysis
Compare multiple properties with time horizon analysis (5-25 years) and size-adjusted cost comparisons.
Built for Real Housing Decisions
First-Time Buyers
Scenario: Should I buy a $600K Toronto condo or keep renting at $2,400/month?
Get detailed analysis including opportunity cost of your $120K downpayment, maintenance costs, and true affordability based on your income.
Upgrading Families
Scenario: Move from our $800K house to a $1.2M house with better schools?
See the required equity gain rate and size-adjusted costs to understand if the upgrade makes financial sense.
Built in Canada, for Canadians
Developed by Canadians who understand the unique complexities of our real estate market, mortgage regulations, and financial landscape.
Proudly Canadian
Start Making Smarter Housing Decisions
Free analysis with no commitment. Analyze up to 3 properties at no cost.
Your financial information is secure and private. No spam, no sales calls.