Free Tool
Home Equity
Tracker
Enter your purchase details and see your estimated equity using official CREA MLS® HPI data — no email required.
Your Property Details
Enter your down payment in dollars
Your original rate
If you've renewed, refinanced or paid extra, enter what you owe today and we'll use it instead of our estimate. Enter 0 if it's paid off.
Renovations & Improvements
Have you updated the home since purchase?
This will replace the HPI estimate entirely
Fill in your property details and click Calculate to see your estimated equity using real CREA MLS® HPI data.
Your Estimated Equity Today
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— of current home value
Estimated Value Today
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Outstanding Balance
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Home Appreciation
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Equity Gain on Down Payment
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How We Calculated This
Purchase Price—
CREA HPI at Purchase—
CREA HPI Today—
Appreciation Factor—
HPI Estimated Value—
Adjusted Value Today—
Original Mortgage—
Payments Made—
Outstanding Balance—
Your Equity—
Important Disclaimers
Not an Appraisal. This tool provides an estimate only and does not constitute a formal property appraisal, valuation, or professional real estate opinion. Results should not be used for mortgage applications, legal proceedings, tax filings, or financial planning without independent verification from a licensed professional.
HPI Data & Accuracy. Estimates are calculated using the CREA MLS® Home Price Index (Not Seasonally Adjusted) from nine CREA boards — Hamilton-Burlington, Oakville-Milton, Mississauga, Greater Toronto, Niagara Region, Brantford Region, Guelph & District, Cambridge and Kitchener-Waterloo — each town using its own board’s index (base: Jan 2005 = 100). The HPI tracks market-wide average price movements — it cannot account for your property's specific condition, lot size, location within a neighbourhood, renovations, or unique features. Your actual home value may differ materially from this estimate.
Renovation ROI Estimates. The return-on-investment percentages are rough rule-of-thumb assumptions, not measured market data. Actual value added varies by workmanship quality, market timing, buyer preferences, and neighbourhood price ceilings. These figures are for general planning only and are not guarantees of resale value.
Mortgage Balance. The outstanding balance shown assumes regular monthly payments at the rate you entered for the whole period, with no missed payments, prepayments, lump-sum contributions, refinancing, or renewals at a different rate — if you have renewed, your lender’s balance will differ. With less than 20% down, the mortgage default insurance (CMHC) premium is added to the mortgage using CMHC’s current premium rates; premiums were lower before March 2017, so for older purchases the balance shown may be slightly high. Contact your lender for your exact balance.
Equity Gain on Down Payment. This compares the equity you have built to the down payment you made. It is not an investment return: it leaves out land transfer tax, legal and closing costs, mortgage interest, property taxes and upkeep, which would all lower it.
Data Currency. HPI data is updated monthly following CREA's mid-month statistical release. Estimates reflect conditions as of the update date shown — not necessarily today's date.
Privacy. This calculator runs entirely in your browser. No personal information, address, or financial data is transmitted or stored.
Not Financial or Legal Advice. Nothing on this page constitutes financial, mortgage, tax, or legal advice. Consult a licensed REALTOR®, mortgage broker, accountant, or lawyer before making real estate decisions.
Laura Brown & Kristina Kritikos are registered REALTORS® with Royal LePage Burloak Real Estate Services, Brokerage. For a no-obligation accurate market valuation, contact us for a free home evaluation.
HPI Data & Accuracy. Estimates are calculated using the CREA MLS® Home Price Index (Not Seasonally Adjusted) from nine CREA boards — Hamilton-Burlington, Oakville-Milton, Mississauga, Greater Toronto, Niagara Region, Brantford Region, Guelph & District, Cambridge and Kitchener-Waterloo — each town using its own board’s index (base: Jan 2005 = 100). The HPI tracks market-wide average price movements — it cannot account for your property's specific condition, lot size, location within a neighbourhood, renovations, or unique features. Your actual home value may differ materially from this estimate.
Renovation ROI Estimates. The return-on-investment percentages are rough rule-of-thumb assumptions, not measured market data. Actual value added varies by workmanship quality, market timing, buyer preferences, and neighbourhood price ceilings. These figures are for general planning only and are not guarantees of resale value.
Mortgage Balance. The outstanding balance shown assumes regular monthly payments at the rate you entered for the whole period, with no missed payments, prepayments, lump-sum contributions, refinancing, or renewals at a different rate — if you have renewed, your lender’s balance will differ. With less than 20% down, the mortgage default insurance (CMHC) premium is added to the mortgage using CMHC’s current premium rates; premiums were lower before March 2017, so for older purchases the balance shown may be slightly high. Contact your lender for your exact balance.
Equity Gain on Down Payment. This compares the equity you have built to the down payment you made. It is not an investment return: it leaves out land transfer tax, legal and closing costs, mortgage interest, property taxes and upkeep, which would all lower it.
Data Currency. HPI data is updated monthly following CREA's mid-month statistical release. Estimates reflect conditions as of the update date shown — not necessarily today's date.
Privacy. This calculator runs entirely in your browser. No personal information, address, or financial data is transmitted or stored.
Not Financial or Legal Advice. Nothing on this page constitutes financial, mortgage, tax, or legal advice. Consult a licensed REALTOR®, mortgage broker, accountant, or lawyer before making real estate decisions.
Laura Brown & Kristina Kritikos are registered REALTORS® with Royal LePage Burloak Real Estate Services, Brokerage. For a no-obligation accurate market valuation, contact us for a free home evaluation.
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