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Rent-to-Own Calculator

Switch to Simple Mode

RTOCalc is a free rent-to-own (lease-to-own/lease-option) calculator that helps buyers and sellers model deals with full transparency — whether creating new agreements or converting existing rentals to rent-to-own.

Simply enter your details to calculate different scenarios. RTOCalc will instantly generate detailed analysis reports, including payment schedules and projected outcomes.

Option Terms

Commencement Date

Lease Term

Option Price / Strike Price ($)

Initial Option Fee ($)

Monthly Rent ($)

Monthly Option Fee ($)

Buyer's qualifying rate: 6.08% (Canadian stress test) · Adjust

Buyer's Qualifying Mortgage Rate (%)

Rate used to test the tenant-buyer's income at purchase (the Canadian stress-test rate). Not your existing mortgage. Leave blank to use 6.08%.

Renewal Terms

Renewable Annual Terms

Renewal Option Fee ($)

Appreciation per Renewal (%)

Incentives

Monthly Price Credit ($)

Bonus Option Credit (%)

Debt Service & Expenses

Your Existing Mortgage The loan you're paying now on this property. Leave blank if it's owned free and clear.

Enter Mortgage Details Enter Payment Manually

Mortgage Balance ($)

Principal you still owe today.

Your Mortgage Rate (%)

Rate you pay now — required to compute your payment and payoff balance.

Amortization Remaining

Years left to pay it off.

Other Monthly Debt ($)

Monthly Management ($)

Monthly Strata Fee ($)

Monthly Insurance ($)

Monthly Utilities ($)

Annual Property Tax ($)

Inflation Settings

Rent Inflation (%)

Expense Inflation (%)

Closing Costs

Seller Closing Costs

Estimated seller costs at time of sale. Deducted from net proceeds in the RTS analysis report.

Commission (%)

Legal Fees ($)

Mortgage Discharge ($)

Selling Today Instead

Used to compare rent-to-own with listing the home now, in the RTS analysis report. Legal, discharge and other costs above apply to both.

Market Value Today ($)

Commission if Sold Today (%)

Investment Return (%/yr)

Buyer Closing Costs

Estimated buyer costs at time of purchase. Shown in the RTO analysis report. Select a Province to include land transfer tax.

Province (for LTT)

Legal Fees ($)

Title Insurance ($)

Home Inspection ($)

Appraisal ($)

Mortgage Origination ($)

Free e-book

The Bridge to Homeownership

A guide to the Progressive Rent-to-Own System — Tenant-Buyer's Edition. How to get mortgage approval in Canada and the USA.

How It Works

Enter your option price, lease term, monthly rent, and option fees. The calculator generates three reports: a Rent-to-Own Analysis showing the buyer's path to a down payment, a Rent-to-Sell Analysis showing the owner's financial picture, and a month-by-month Purchase Scheduler showing exactly when and at what price the tenant can exercise their option.

Switch to Advanced Mode to unlock renewal terms with appreciation adjustments, incentive structures like Monthly Price Credits and Bonus Option Credits, inflation settings, and detailed closing costs for both parties.