Cost of living ·
Burlington vs London
Two couples, both salaried, two cars, each buying the city's average detached home with 20% down. Burlington earns 2 × $100k, London 2 × $80k.
Monthly spend by category
Every dollar of take-home, grouped. Hover for exact numbers.
Share of take-home pay
Where each couple's paycheque goes.
Would the bank say yes?
Stress test on the average detached home. Bar past the line = declined.
What it takes
Mortgage owing over 25 years
What if that interest were invested instead?
Line by line
Monthly, CAD. est. = estimate; everything else is a sourced city figure.
Assumptions
Sources
Projection · ages 31/28 → 40/37
The Plan
$100k combined take-home. A $500k detached home with 20% down, an extra $1,000/mo on the mortgage and $1,000/mo invested on top of $500k already working at 8%. Kids at 33/30, 35/32 and 37/34.
Could they semi-retire at 40 / 37?
The road
Net worth, year by year
Investments and home equity climb while the mortgage falls. Hover any year.
Where the $8,333 a month goes
Year by year
Monthly figures for each year; balances at the start of the year.
Assumptions
AI analysis · Nov 2026