Adjust the sliders. Cost, monthly cash flow, gross yield, and payback period update in real time. Built on 2026 GTA market data — typical builds, typical rents, typical financing.
Note: Indicative only. Real numbers depend on your specific lot, design, finishes, and rental market. Use this to ballpark, then book a free assessment for a precise quote.
Set your suite type, size, and target rent. We'll handle the math.
Legal basement apartment — fastest permit timeline (4–6 months), lowest entry cost.
Premium = Bull Homes default — solid hardwood, quartz, mid-tier appliances, energy-efficient mechanicals.
Reduces effective build cost. Available to most owner-occupied properties.
Defers $15K–$30K in Toronto Development Charges over 20 years.
Live update as you adjust inputs.
Book a free 45-minute site visit. We measure your lot, review your goals, and email a written feasibility report with real costs within 5 business days.
Book Free AssessmentBuild cost = suite size × per-sqft cost × finish multiplier. Per-sqft costs reflect 2026 GTA market: basements $200–$350, laneway $450–$600, garden $425–$575 (all-in including permits, engineering, and finishes).
Effective cost = build cost minus $80K federal loan (if applied). The loan is interest-free for owner-occupiers; DC deferral saves another $15–30K over 20 years.
Annual cash flow = (monthly rent × 12) minus 10% for vacancy, maintenance, insurance, and management. Doesn't include mortgage interest on borrowed capital — for full ROI modeling, ask us for a detailed pro forma.
Gross yield = annual rent ÷ total build cost. Use this to compare against other investments. Payback = effective cost ÷ annual cash flow — how long until you've earned back your out-of-pocket.
Disclaimer: Calculator is for screening purposes only. Final numbers depend on lot specifics, design choices, financing terms, and market conditions. Not investment, tax, or legal advice — consult a qualified advisor for those.