HANS KITS · Ontario landlords · LTT
HANS KITS · Excel · August 2026 · $12 CAD
Ontario land transfer tax calculator. Toronto MLTT calculator Excel.
Free in-browser calculator below. Provincial LTT, Toronto MLTT including April 2026 luxury tiers, first-time buyer refunds, and NRST. Buy the $12 Excel for the print-ready, lawyer-tickable sheet.
$12 CAD · Instant download after Stripe
Also on Gumroad
After you pay: Stripe emails a receipt. The Excel file is available immediately.
Hans Jurgen, Canada. Questions: hansjurgenj0@gmail.com.
Free · in-browser · August 2026 bands
Ontario + Toronto land transfer tax calculator
Prefills the Leslieville sample: $649,000 Toronto condo. Assumes 1–2 residential (house or condo), which unlocks the 2.5% / luxury MLTT bands. 3+ unit cap is in the $12 Excel.
Provincial LTT (gross)
$0.00
Toronto MLTT (gross)
$0.00
Ontario bands
| Band | Rate | Tax |
|---|
Toronto MLTT bands (1 Apr 2026 luxury tiers)
| Band | Rate | Tax |
|---|
Illustration only. Same August 2026 bands as the Excel: Ontario 0.5 / 1.0 / 1.5 / 2.0%, 2.5% above $2M on 1–2 SFR. Toronto matches to $2M, then 2.5% ($2–3M) and luxury 4.40 / 5.45 / 6.50 / 7.55 / 8.60% from $3M. FTHB caps: Ontario $4,000, Toronto $4,475. NRST 25% + Toronto MNRST 10%. Not tax or legal advice. Confirm with your lawyer.
Also on Gumroad · Analyzer also on Gumroad
Get the Excel for first-time refunds, NRST / MNRST, the 3+ unit cap, a closing-date switch, and a print-ready band-by-band sheet. After you pay: Stripe emails a receipt. The file is available immediately.
Cover
One Excel calculator. Type price, closing date, and four Yes/No flags. Ontario graduated LTT, Toronto MLTT (luxury tiers from 1 April 2026), FTHB refunds, NRST 25% + Toronto MNRST 10%. Works in Excel and Google Sheets.
06 · Excel · August 2026
What is in the file
Tax-on-title only. If you need the whole closing picture — cash to close, CMHC, B-20, T776 — buy the Ontario rental analyzer Excel instead.
- Ontario graduated land transfer tax, band by band.
- Toronto municipal land transfer tax, including 1 April 2026 luxury tiers.
- First-time home buyer refunds: Ontario max $4,000, Toronto max $4,475.
- Non-resident speculation tax (NRST) 25% and Toronto MNRST 10%.
- Closing-date switch so pre- and post-April 2026 Toronto deals do not share a rate table by accident.
- Who it is for
- Ontario and Toronto buyers, investors, and anyone who needs the LTT line before calling a lawyer.
- Who it is not for
- Not the full rental analyzer. No cash to close, no CMHC, no B-20, no T776. Not legal advice.
Also on Gumroad
After you pay: Stripe emails a receipt. The Excel file is available immediately.
Not tax, legal, or mortgage advice. Illustration only. LTT/MLTT bands, first-time buyer refunds, NRST, and MNRST are modelled as of August 2026 and can change. Confirm with your lawyer before you waive a condition.
FAQ
What you get
One Excel calculator for the tax-on-title line: Ontario graduated LTT, Toronto MLTT including 1 April 2026 luxury tiers, first-time buyer refunds (Ontario max $4,000, Toronto max $4,475), NRST 25% + Toronto MNRST 10%. Type price, closing date, and four Yes/No flags. Works in Excel and Google Sheets.
What happens after you pay
Stripe takes the payment and emails a receipt. The Excel file is available immediately after checkout. If the download fails, email hansjurgenj0@gmail.com with the Stripe receipt.
Is this a course?
No. It is an Excel file. No videos, no community, no modules.
Is this tax or legal advice?
No. Illustration only. Confirm the land transfer tax bill with your lawyer before you waive a condition. If you need cash to close, CMHC, B-20, and T776 as well, buy the Ontario Analyzer instead.