Calculators for the other property
What a cottage, vacation home or second home really costs. What tax you pay to buy it and to sell it. Whether you can afford it, and whether refinancing pays. Everything runs in your browser, and nothing you type is sent anywhere.
Choose your country
The rules differ in ways that change the answer, so each country has its own version rather than a currency swap.
For any country, in any currency
No tax rules involved, so this one works wherever the property is.
Canada
Built on Canadian rules: semi-annual mortgage compounding, the stress test, CMHC limits, provincial land transfer tax and the principal residence exemption.
- Running costsCottage running costsWhat a cottage costs every year: tax, insurance, heat, road, dock and upkeep.
- Purchase taxLand transfer tax on a second propertyProvincial and municipal land transfer tax on your purchase, band by band.
- AffordabilityCan I afford a cottage?The stress test, both properties in your TDS, and the down payment your use type needs.
- RefinanceMortgage penalty and refinance break-evenEstimate the IRD penalty and how long a lower rate takes to pay it back.
- SellingPrincipal residence exemption: cottage or city home?Compare which property to designate, and the estimated tax on the other.
United States
Built on US rules: Fannie Mae second home and investment property limits, 2026 federal tax figures, the 14-day rule, Section 121 and depreciation recapture.
- Running costsVacation home running costsThe true yearly cost of a vacation home, including taxes, HOA, insurance and upkeep.
- AffordabilityCan I afford a second home?Debt-to-income with both homes, and second home versus investment property rules.
- RefinanceRefinance break-evenMonths to recover closing costs, and the interest saved over your stay.
- SellingCapital gains on a second homeSection 121, nonqualified use, depreciation recapture and the 3.8% NIIT.
United Kingdom
Built on UK rules: the 5% stamp duty surcharge, Scotland’s ADS, council tax premiums, buy-to-let stress tests and capital gains at 18% and 24%.
- Running costsSecond home running costsCouncil tax premium, insurance, bills and upkeep for a second home, in one figure.
- Purchase taxStamp duty on a second homeSDLT with the 5% surcharge, Scottish LBTT with ADS, or Welsh LTT.
- AffordabilitySecond home and buy-to-let affordabilityIncome multiples for a second home, or the maximum loan your rent supports.
- RefinanceRemortgage break-evenEarly repayment charges, product fees and the true cost over the fixed term.
- SellingCapital gains tax on a second homePrivate Residence Relief, the 18% and 24% rates, and your 60-day deadline.
Guides that explain the rules
The calculators give you a number. These explain where it comes from.
- CanadaBuying a cottage in CanadaDown payment rules, CMHC, the stress test, land transfer tax and closing costs.
- CanadaSelling a cottage: capital gainsThe 50% inclusion rate, the principal residence designation, and family transfers.
- CanadaRenting out your cottageRental income, the personal-use split, capital cost allowance and short-term rental rules.
- United StatesBuying a vacation homeDown payment, rates, reserves and closing costs for a second home in 2026.
- United StatesVacation home tax rulesThe 14-day rule, mortgage interest after OBBBA, and the SALT cap.
- United StatesSelling a second homeCapital gains, Section 121, nonqualified use and depreciation recapture.
Keep the numbers with the property
OwnersLog holds costs, receipts, owners, repairs, contacts and photos for a second property in one private record, so the figures are there when you need them.