Calculators
Numbers you can check yourself.
Calculators for the questions that come up before a file is even opened. Each runs on figures you supply and shows its working — none of them quotes our pricing or anyone else’s.
The calculators
What could the practice carry?
The first question, before any of the others: a purchase price and a monthly payment a practice can support, from the figures you already know today. On the home page.
Open the estimatorWill the whole deal qualify?
The building, the practice, the leaseholds and the equipment together, projected the way the file actually goes to a lender — year by year, with the coverage number underwriters look at.
Open the calculatorRent versus buy
The one cost that never stops against a payment that falls and ends. Handles a zero-down purchase, an interest-only opening and lump-sum prepayments.
Open the calculatorWhat the practice is worth
Adjusted earnings after the cost of replacing your own clinical hours, a value on the multiple you choose, and whether that price covers its own debt.
Open the calculatorWhat the financing costs
Commitment, legal, appraisal and environmental fees added up — and what they do to the real cost of the money once the term is taken into account.
Open the calculatorCash you need at closing
British Columbia and Alberta side by side. Property transfer tax against land titles registration, plus the professional costs that land on the same day.
Open the calculatorOwn it, or stay associate
Your pay against an owner’s take-home with the loan payment on it — the year-one cut, the year it turns, and the equity that piles up alongside.
Open the calculatorRestructuring what you already owe
For a clinic already trading. Which facilities are going nowhere at today’s payment, what the equity in your building could carry, and what a single structure would free up each month.
Open the calculatorHow these are built. Each formula is worked out by hand against Canadian rules, and the calculator has to give the same answers. Where a figure depends on pricing, you enter it yourself; we don’t supply one. Every calculator here was last checked for accuracy on October 15, 2026.
Get started
A calculator is a starting point, not an answer
Real numbers on a real file come from a conversation. Bring what you have and you will get a straight read on it.