Tool 03 / Monthly survival

True Monthly Ownership-Cost Calculator

Can the household carry the property—not only qualify for it?

Rules reviewed27 JUL 2026CAD estimates · No sign-in
01

Mortgage cash flow

Canadian fixed-rate payment convention uses semi-annual compounding.

02

Property and life costs

Enter recurring bills and a deliberate reserve.

Decision output

Your monthly survival number appears here.

We model the full payment and recurring property costs—without assuming appreciation.

Method, sources, and limits

Rules version: bc-property-rules-2026-07-27. Reviewed 2026-07-27. Results are deterministic estimates in Canadian dollars.

This tool does not determine eligibility, approval, coverage, legal responsibility, engineering condition, or future cost. Confirm time-sensitive or property-specific results with the professional responsible for that work.