Free for Canadian Homeowners
Get a free AI-powered recommendation with a full financial breakdown — equity, costs, capital gains, and market timing.
Location, type, and a few mortgage details. Quick and painless.
Equity, selling costs, capital gains, mortgage penalties — all calculated.
A clear sell-or-hold recommendation backed by your financials and market data.
Here's an example result from a homeowner in Vancouver.
Our AI recommends you hold your property.
High confidence| Estimated Equity | $310,000 |
| Commission (4%) | -$30,000 |
| Legal Fees | -$2,000 |
| Mortgage Penalty | -$4,200 |
| Closing Costs | -$1,800 |
| Capital Gains Tax | $0 |
| Net Proceeds | $272,000 |
A comprehensive financial picture — not just a yes or no.
How much you'd walk away with after selling.
4% commission, legal fees, penalties, closing costs.
Tax implications with Canadian exemption rules.
Local prices, trends, and days on market.
Monthly cost of holding vs. potential gains.
Everything weighed for a clear verdict.
You enter your property details, mortgage information, and goals. Our AI analyzes your equity, selling costs (commission, legal fees, mortgage penalties), capital gains tax implications, and local market conditions to give you a clear sell-or-hold recommendation with a full financial breakdown.
Yes, completely free. No hidden fees, no sign-up required, and you get your full financial breakdown and AI recommendation at no cost.
All 10 Canadian provinces: Alberta, British Columbia, Manitoba, New Brunswick, Newfoundland and Labrador, Nova Scotia, Ontario, Prince Edward Island, Quebec, and Saskatchewan.
If your property is your principal residence, the capital gain is typically fully exempt under the Principal Residence Exemption. For investment properties, 50% of the first $250,000 in gains is taxable, and 66.7% above that. SellOrNotSell calculates this automatically.
Real estate commission (typically 5%), legal fees, mortgage discharge penalties (3-month interest or IRD for fixed-rate), closing costs, and capital gains tax where applicable.
No. SellOrNotSell provides educational information and AI-generated analysis only. Consult qualified professionals before making property decisions.
The form takes about 60 seconds. After submitting, the AI analysis takes 10–20 seconds to generate your recommendation.
Yes. We're PIPEDA-compliant. Your contact info is never shared with the AI — only property and financial details. All data is encrypted in transit and at rest.