Unlike bank calculators, rent vs buy calculators and spreadsheets, TruCost reveals what they don't show you:
Run TruCost on up to 3 properties for free and see whether buying, upgrading, or staying put actually makes financial sense for you.
Not just qualify for the mortgage. Include all real costs: taxes, insurance, maintenance, and what you could earn by investing instead.
Compare required appreciation vs. 55 years of Canadian housing history, so you know if the home is likely to beat the market.
See what your downpayment could earn in the market, so you know if buying this home beats simply investing instead.
THE TRUCOST DIFFERENCE
A single score that tells you if a home fits your budget today and makes sense for your net worth tomorrow.
Your TruCost Score shows how safe this purchase is for both your cash flow and your net worth.
INVESTMENT
75
Based on required appreciation vs. historical averages
AFFORDABILITY
25
Based on % of your income going to housing
TRUCOST SCORE
50
Great
Strong investment + affordable
Good
Average investment or stretched budget
Poor
Requires above-average appreciation
TruCost Score = 50% Investment + 50% Affordability
Investment score of 50 = needs exactly the historical average (~5.8% annual appreciation)
Carried vs Unrecoverable Costs
See exactly how much of each payment builds equity vs. disappears, so you know whether owning is actually beating renting.
Opportunity Cost Analysis
See what your downpayment could earn in the market, so you know if buying this home beats simply investing instead.
Interest Rate Risk
Stressātest your mortgage at higher rates, so renewal time never blindsides your budget.
Property Comparison
Compare any property to your current home or rental, so you can see the true cost of upgrading, downsizing, or staying put.
Time Horizon Projections
See 5ā25 year projections of total cost and equity, so you can plan around real timelines, not guesses.
Canadian-Specific
Apply CMHC rules, Canadian mortgage regulations, and real StatCan data automatically, so your numbers reflect the actual Canadian market.
TruCost uses exposed assumptions based on exposed data sources, not optimistic assumptions.
See whether buying your first home makes financial sense or if renting and investing is smarter.
See if the lifestyle upgrade is worth the extra cost with full cost breakdowns.
See if the property meets your investment criteria after all costs are considered.
Get your TruCost Score for free. Analyze up to 3 properties at no cost.
Your financial data is encrypted, stored in Canada, and never shared or sold. Ever.