Calculators & Tools

Calculate the true annual carrying cost of owning property abroad — property tax, insurance, HOA, maintenance, fideicomiso, utilities, and management. Itemized by country for Canadians.

Enter your CPP, OAS, pension, and other income — and see instantly whether you can afford to retire in Mexico, Portugal, Costa Rica, Panama, Ecuador, or the Dominican Republic. Includes country cost-of-living data and a full affordability guide.

Will your CPP, OAS, OMERS, Teachers', PSPP, or military pension keep being paid if you move abroad? Check payment eligibility, non-resident withholding tax rates, and direct deposit availability by destination country.

See how CAD/USD/MXN exchange rate movements affect your foreign property purchase price — and how much you save using Wise or OFX instead of a bank wire.

Use our T1135 decision tool to find out if your foreign property triggers a CRA filing obligation. Includes full T1135 explainer, penalty schedule, and common scenarios for Canadian property owners abroad.

Calculate the true lifetime cost of a Mexican fideicomiso bank trust at 10, 20, 30, and 50-year holding periods. Compare to SA de CV corporate structure.

A calculator showing itemized closing costs for buying property in Mexico, Costa Rica, Panama, Dominican Republic, Belize, Colombia, and Ecuador. Includes transfer tax, legal fees, notario, fideicomiso, and total as a % of purchase price.

Estimate local rental tax (ISR in Mexico, IPI in DR, etc.), CRA T776 reporting obligations, foreign tax credit, and net combined tax rate on rental income from abroad.

Calculate how much Canadian home equity you can access via HELOC, the monthly interest cost, and what that equity buys in Mexico, Costa Rica, Panama, DR, Belize, and Ecuador.

Pre-filled monthly budget planner for 11 popular expat cities: Puerto Vallarta, Playa del Carmen, Mérida, Cabo, Lake Chapala, San José, Nosara, Panama City, Medellín, Punta Cana, Cuenca. Adjust each line — see your savings vs Canada.

Compare annual property tax for the same property value in a Canadian city vs a foreign destination. Pre-loaded rates for 14 Canadian cities and 10 international markets including Mexico, Panama, Costa Rica, Dominican Republic, Ecuador, Colombia, and Portugal.

Should you rent or buy at your foreign destination? Calculate break-even year, 5–20 year cost comparison, and opportunity cost of the down payment.

Enter your monthly income and age to check which residency visas you qualify for in Mexico, Costa Rica, Panama, Dominican Republic, Belize, Colombia, and Ecuador. Income thresholds, requirements, and application paths for 2025.

A day counter for Canadian snowbirds. Enter province, departure, and return dates — see days abroad vs. OHIP, MSP, AHCIP, and RAMQ limits with a green/yellow/red traffic light status. Keep your provincial health coverage intact.

Calculate your CRA T1135 penalty exposure for unfiled or late foreign income verification statements. Shows per-year late fees, repeated failure penalty, gross negligence penalty, and VDP savings.

Compare the annual carrying costs and 10-year net position of keeping a Canadian home versus buying property abroad. Property tax, insurance, maintenance, utilities, and appreciation modelled side by side.

Find your perfect retirement or investment destination abroad. Our quiz matches Canadian buyers to Mexico, Portugal, Costa Rica, Panama, Ecuador, Dominican Republic, and more based on budget, lifestyle, and timeline.