See it all in one place
Every property, mortgage and savings account adds up to one number: your net worth, with equity you could pull and renewals coming up.
Free portfolio tools · Ottawa
Know what your real estate is doing, and what to do next.
Your equity, mortgages and cash flow in one place. See what a sale would really put in your pocket, what your savings could buy next, and compare stocks against another property before you decide.
- Free account
- No credit card
- Private to you and your REALTOR®
Know what a sale nets
Price, less the mortgage, the brokerage fee, HST and legal. The cash you'd actually have, and it updates as the offer does.
Compare before you decide
Keep it, hold cash, buy stocks or buy another property. Ten years side by side, net worth and monthly cash flow.
Try it
Selling? Move the sliders.
See what you'd walk away with, free. Comparing stocks, real estate and cash, and running it on your own properties, takes a free account.
{# Live demo: sell a property, see the net cash, and (signed in) compare stocks, real estate and cash over 5 or 10 years.
Signed out (demo_locked), only the net cash shows; the comparison needs a free account. Math in static/js/pf-promo.js,
same assumptions as the real portfolio. #}
Cash you'd walk away with$0
after the mortgage and about in selling costs
Stocks, real estate or the bank?
Create a free account to see what this cash could grow to over 5 or 10 years, side by side, and run it on your own properties.
Create my free account
For understanding, not for deciding on its own. These tools help you understand your options; they are estimates, not financial, tax, legal or mortgage advice. Speak with a qualified professional (your lender, accountant or financial planner, and your Lotful REALTOR®) before you buy, sell, refinance or invest.
A quick sketch with typical numbers: selling costs of 5% brokerage fee plus HST and $1500 legal.
Inside your account
Every answer, one screen
The cash you'd really walk away with
- Today's mortgage balance, rolled forward from your terms
- Brokerage fee, HST, legal and discharge, itemized
- Your share, if you co-own it
- Know the number better? Type your own
Keep it, or sell and do something better?
- Four paths side by side: keep, cash, stocks, property
- Net worth now and in 10 years
- Monthly cash flow for each
- Your plan highlighted, so you can come back to it
Flip between stocks and real estate
- Set the return you expect from stocks
- Pick the down payment, home or rental, and the rent
- See what the cash buys after land transfer tax
- One tap to switch, and the chart follows
Where you're headed, year by year
- Equity, savings and investments on one chart
- Add a purchase you're considering, or a refinance
- 5 or 10 years, at the growth rate you choose
- Mortgages paid down on your real terms
Buying next? See what your money can do
- What your savings, and equity you could pull, can buy
- A home to live in or a rental, at the down payment you choose
- One property or two, three or four, side by side
- Homes for sale now that fit, and what each choice does to your net worth
Savings$150,000+ refinance$100,000
One propertyup to $1,079,000
Two propertiesabout $547,000 each
Sample: 20% down after land transfer tax and closing costs. Your account adds homes for sale now that fit.
4ways to compare a sale: keep, cash, stocks, property
10years ahead, mortgages paid down on your terms
$0free with a Lotful account, no card needed
1Lotful REALTOR® who sees it with you, when you want
Made for Ottawa owners
Wherever you are: buying, owning or selling
Buyers
What your savings, or the equity in your home, can buy: one property or a few, with homes for sale now that fit.
Get started ›Homeowners
How much equity you've built, when your mortgage renews, and what your home could help you buy next.
Get started ›Landlords
Cash flow after the mortgage on every unit, and how much you could pull out to grow.
Get started ›Selling soon
The cash you'd net, and whether it works harder in stocks, a new home or another rental.
Get started ›Investors and builders
Add a pro forma from your REALTOR® and see what building it out does to your net worth.
Explore infill ›Questions
Is it really free?
Yes. It comes with a Lotful Realty account. No card, no trial that runs out.
Who sees my numbers?
You and your Lotful REALTOR®. We don't email you about your portfolio unless you ask, and we never share your details.
Do I need an account?
Yes, for the tools themselves: your properties, the sale comparison and the 10-year view live in your free Lotful account, so they're saved and private. The quick net-cash check above is open to anyone.
Is this financial advice?
No. The tools help you understand your options; they don't make the decision for you. Speak with a qualified professional before acting: your lender about penalties and refinancing, your accountant about capital gains and tax, a financial planner about investing, and your Lotful REALTOR® about the market.
Where do the numbers come from?
What you enter, Ontario land transfer tax brackets, the average 5-year fixed rate from the Bank of Canada for mortgages we have to estimate, and the selling-cost assumptions shown with each result. If your properties are managed by Inovo, they update on their own.
For understanding, not for deciding on its own. These tools help you understand your options; they are estimates, not financial, tax, legal or mortgage advice. Speak with a qualified professional (your lender, accountant or financial planner, and your Lotful REALTOR®) before you buy, sell, refinance or invest.
Your next move, with the numbers in front of you.
Takes a few minutes: add a property, your savings and anything you're selling.
Create my free account