Co-buying affordability calculator for Canada.
See what two or more people could afford together. Combine individual incomes, savings, debts, and planned down-payment contributions before you make an offer.
Planning estimate only. A lender determines actual qualification.
A mortgage plan is different when more than one household is involved.
A standard calculator can combine numbers. This shared ownership house calculator keeps each person’s numbers visible—and shows how each buyer’s situation affects the group.
Couples, friends, and family
Plan a purchase with the people who will actually share the home.
Unequal incomes and savings
Keep each buyer’s financial picture visible instead of hiding it in one total.
Down-payment contributions
Explore how different savings and planned contributions shape the plan.
A clearer group decision
Start the conversation with shared assumptions before speaking to a lender.
Plan in three calm steps.
You can start with estimates. The goal is a shared view of the decision—not a false promise of approval.
Start with the calculatorAdd every prospective buyer
Enter each person separately, whether you are buying as a couple, with friends, or with family.
Add the inputs that change the plan
Capture income, debts, savings, and planned down-payment contributions for the group.
Use the result as a conversation starter
Take the estimate to your lender or mortgage professional and keep the assumptions visible as the plan changes.
From affordability to co-ownership clarity.
Questions before you start
What is a co-buying affordability calculator?
It is a planning tool for people considering a shared home purchase. It combines each buyer’s income, savings, debts, and planned contribution so the group can explore an affordability range together.
Can more than two people use the calculator?
Yes. Partnered is designed for groups of buyers, including couples, friends, siblings, and family members. Add each prospective buyer separately so the group plan reflects everyone’s inputs.
Can buyers have different incomes or down payments?
Yes. Each buyer’s income, savings, debts, and planned down-payment contribution can be considered individually. That makes the result more useful than simply adding two salaries together.
Is this a mortgage pre-approval or financial advice?
No. It is an educational planning estimate, not a lender decision, mortgage pre-approval, or financial advice. A lender or qualified professional determines actual qualification and terms.
See what your group could plan together.
Open the free calculator, add each buyer, and bring a clearer starting point to your next conversation.
Open the free calculator