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Rent-to-Own Calculator

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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 ($)

Debt Service & Expenses

Your Monthly Mortgage Payment ($)

Principal and interest you pay now. Leave 0 if owned free and clear.

Monthly Management ($)

Monthly Strata Fee ($)

Monthly Insurance ($)

Monthly Utilities ($)

Annual Property Tax ($)

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.