True Income

Canadian tax and cost insights

Mortgage planning

Estimate payments using province-average rates, then sanity check affordability.

Mortgage Planner

Based on Ontario averages - edit anytime.

5.37% APR
Loan amount
$540,000
Total interest: $442,284
Payment (monthly)
$3,274
Monthly equivalent: $3,274
All-in monthly: $3,274
Total paid over term: $982,284
Share of net monthly income: ~55%
Delta vs current discretionary: $-1,774

Rent Affordability

Quick ranges based on your net monthly income.

$6,000/mo
Safe (30%)$1,800
Stretch (35%)$2,100
Max (40%)$2,400
Tip: Keep total housing costs under 35% of net income for a safer buffer.

Income Context

Run income first ->
Net monthly income$6,000
Discretionary monthly (leftover)$1,500
CityToronto, ON