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Canadian mortgage calculator

Canadian land-transfer-tax calculator

Estimate progressive transfer tax or registration charges using versioned provincial and municipal rules.

Private inputs · Transparent assumptions

Your decision ledger

Land transfer tax

Change the assumptions below. Your inputs and results remain in this browser and are not sent to RateReset.

  1. 01Facts
  2. 02Change
  3. 03Compare

Toronto includes both provincial and municipal tax.

Enter your values to see results.

How to use this result

Start with the decision, then inspect the assumptions.

Canada does not have one national land transfer tax. Ontario, British Columbia, Manitoba, and New Brunswick levy provincial charges; Toronto adds a municipal tax; Quebec municipalities levy transfer duties; other provinces may use registration fees or municipal rates.

How the calculation works

A bracket rule engine applies marginal rates to each portion of the value. The selected rule exposes its identifier, effective date, official source, and last review date. Rebates and special purchaser taxes are not automatically assumed.

For the full notation, rate conversion, rounding approach, and limitations, see the calculation methodology.

Worked Canadian example

Put the estimate in context

At CA$650,000, Ontario provincial land transfer tax is calculated through four brackets. Selecting Toronto adds the municipal schedule, while Alberta returns an estimated land-title registration fee rather than a traditional transfer tax.

Before relying on it

Common mistakes

  1. 01Applying the top marginal rate to the full purchase price.
  2. 02Omitting Toronto’s municipal tax.
  3. 03Assuming Alberta or Saskatchewan has zero registration cost because there is no traditional tax.
  4. 04Claiming a first-time-buyer rebate without confirming eligibility.

Clear answers

Frequently asked questions

Why is Nova Scotia an estimate?

Municipal deed-transfer rates vary. The calculator uses a disclosed planning rate and directs you to confirm the municipality.

Does the calculator include foreign-buyer taxes?

No. Non-resident and speculation taxes have distinct eligibility rules and are outside this initial calculator.

Continue comparing

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Official references

Sources used

Full source registry

Estimates are for educational purposes and may differ from lender calculations, contractual terms, taxes, fees, or regulatory requirements. Read the full disclaimer.

Last reviewed July 26, 2026. Content is marked for financial and compliance editorial review before material policy changes are published.