Condo fee calculator
Five facts about your condo’s fee trajectory.
Pattern-based predictor of maintenance-fee escalation. No address required, no signup, no email. We surface five separate facts — we don’t give you a verdict.
Your condo
Tell me about your building.
Adding this unlocks the escalation-rate and developer-anchor facts.
Results
Fill in province, building type, year built, unit size, and current fee to see five facts about this building.
The year-1 fee is optional; adding it unlocks the escalation-rate and developer-anchor signals.
Before you close
Eight questions to ask the seller before you buy.
The five facts above tell you what the pattern looks like. The status certificate (Ontario) / estoppel certificate (Alberta) / Form B + depreciation report (BC) tells you what’s actually in the building’s books. These eight questions are how you read those documents.
- 01
What is the current reserve-fund balance, and what does the most recent study say it should be?
A reserve fund below 70% of the engineer’s recommended balance is a real warning sign — it means future capital work will need either fee increases or special assessments.
- 02
Has there been a special assessment in the last five years? For how much, per unit?
Recent assessments suggest the reserve fund wasn’t keeping up. Ask whether the conditions that triggered the last one have been corrected.
- 03
Are any special assessments currently planned or being discussed by the board?
Sellers must disclose known assessments. "Being discussed" is the soft-disclosure phrasing — listen for it carefully.
- 04
What is the projected annual fee increase for each of the next three years?
Boards set a multi-year plan. A flat projection in a building with rising capital obligations means the plan and the engineering reality are out of sync.
- 05
Which capital projects are scheduled in the next five years, and which are fully funded from the reserve?
Match the project list against the reserve balance. Any gap is paid by owners — fees, assessments, or borrowing.
- 06
Is the board currently involved in any active litigation or open insurance claims?
Litigation costs come out of the same pot as capital work. Construction-defect claims in newer buildings are particularly worth probing.
- 07
What percentage of units are tenant-occupied versus owner-occupied?
High rental ratios correlate with lower owner engagement and harder reserve-fund vote mobilisation. It’s context, not a verdict.
- 08
Are there pending changes to the declaration, bylaws, or rules (smoking, pets, short-term rentals, amenity access)?
Rule changes after closing can materially affect the building you bought into. Ask explicitly; not all are publicly noticed yet.
Questions
Frequently asked.
How accurate is this condo fee calculator?+
It compares your building's fee pattern against provincial baselines built from public data sources (CMHC reserve fund studies, TRREB/CREB/REBGV condo Q-reports). It is not a substitute for reading the status certificate and reserve fund study — but it gives you five concrete questions to bring to that reading.
Why don't I need to enter an address?+
The five facts this tool computes — fee escalation rate, year-1 anchor, capital-expense runway, fee position vs. baseline, forward projection — all derive from province, building type, age, size, and the fees themselves. The address would only let us look up extra data; the math doesn't need it.
What's a status certificate and why does it matter?+
In Ontario it's a status certificate; in Alberta it's an estoppel certificate; in BC it's a Form B + depreciation report. All three are legal documents the seller must provide that disclose the reserve fund balance, recent special assessments, pending litigation, and planned capital work. Read it before you close. The checklist below is what to look for.
Does this work for all Canadian provinces?+
Currently Ontario, Alberta, and British Columbia. Those three cover roughly 80% of Canadian condo inventory. We'll add Quebec, Manitoba, and Saskatchewan when we have provincial baselines we can stand behind.
Our method
Defensible facts. Honest limits. No verdict on your home.
We project condo fee patterns from public baselines. We don't predict your specific building.
How we read data →