Brampton · TFSA, RRSP & FHSA · rules as of October 2026
Buy or rent: run your own numbers
One household buys. The other rents a comparable home and invests what it saves: the down payment and closing costs up front, then the monthly difference between owning and renting. At the end, the owner keeps the home and the renter buys the same one, or both cash out. Start with the quick version, and switch to the full tool to change every assumption.
Owner
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Renter
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Owner ÷ renter
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How is this range worked out?
Net worth over time
OwnerRenter (dashed)
Where the money ends up
If the market guesses are wrong
Owner ÷ renter for every mix of home price growth and stock return, using all your other settings. Above 1 the owner ends richer. Your current guess is outlined.
Owner richerRenter richerYour guess
Home price growth per year
Stock return per year, before fees (%)
Tap a cell for the numbers
How often each outcome came up
Same grid, now showing how often each mix of home growth and stock return came up when the actual 1981–2025 years were reshuffled into 200,000 possible 30-year scenarios. Each number is the percentage of those scenarios landing in that cell, and all cells add up to 100%. Futures past the edges are counted in the edge cells. Cells where the owner wins under your settings are outlined.
% of reshuffled scenariosOwner wins here
Home price growth per year
Stock return per year, before fees (%)
Tap a cell for the numbers
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Stocks are a 50/50 mix of the S&P/TSX and the S&P 500 in Canadian dollars, with dividends; homes use TRREB's yearly average price for all home types. Futures string together runs of consecutive real years, about 5 years on average, so booms and busts stay together. The years are used as they happened, so this reflects a period when homes grew about 6% a year and stocks about 11%, faster than most forecasts for the years ahead. Treat it as a rough guide.