Canada Home Renovation Tax Credit Calculator
Calculate federal MHRTC credits (up to $7,500), Ontario Healthy Homes Credit, provincial renovation programs, and medical expense deductions for Canadian home renovations.
The Multigenerational Home Renovation Tax Credit (MHRTC) is the flagship federal renovation credit — $7,500 maximum for creating a secondary suite for an eligible family member.
| Requirement | Details |
|---|---|
| Qualifying Individual | A person 65+ years old, or an adult with a disability — must be a family member (parent, grandparent, sibling, or adult child). |
| Secondary Unit | Must be a self-contained unit with its own kitchen, bathroom, and sleeping area — not just a spare bedroom. |
| Eligible Expenses | Plumbing, electrical work, structural modifications, permits, accessible fixtures, grab bars, wider doorways. Excludes furniture and appliances. |
| Claim Period | Claimed in the tax year the renovation is completed. The qualifying individual must ordinarily inhabit the unit. |
| Refundable? | No — the MHRTC is a non-refundable credit. It reduces taxes owed but does not generate a refund if your tax is already zero. |
| Provincial Stacking | Provincial credits (Ontario, Saskatchewan, etc.) can be claimed alongside the federal MHRTC if the same renovation qualifies. |
Maximize your after-tax renovation cost by layering all available federal and provincial credits on the same eligible renovation.
How to Use the Canada Home Renovation Credit Calculator
Select your Renovation Type and Province, then enter your total renovation cost and the portion that qualifies as eligible expenses. The calculator applies the federal Multigenerational Home Renovation Tax Credit (MHRTC), any applicable provincial program, and optionally the medical expense tax credit for accessibility renovations.
Canadian Home Renovation Tax Credits Explained
Federal MHRTC — Multigenerational Home Renovation Tax Credit
Introduced in 2023, the MHRTC is Canada's primary federal renovation tax credit. It provides a 15% non-refundable credit on up to $50,000 of eligible renovation expenses when you add a secondary suite for a qualifying family member — generating a maximum benefit of $7,500.
Credit rate: 15% (non-refundable)
Maximum credit: $7,500
Qualifying individual: family member who is 65+ years old or a disabled adult relative
Qualifying renovation: self-contained secondary unit (own kitchen, bathroom, bedroom)
Claim year: the tax year the renovation is substantially completed
Provincial Renovation Tax Credit Programs
Several provinces offer renovation and accessibility credits that can be stacked on top of the federal MHRTC:
- Ontario: Healthy Homes Renovation Tax Credit — 15% refundable credit on up to $10,000 for seniors 65+ or households with a senior. Maximum credit: $1,500.
- Saskatchewan: Home Renovation Tax Credit — 10.5% non-refundable credit on up to $10,000 of eligible renovation costs. Maximum credit: $1,050.
- New Brunswick: Healthy Seniors Pilot Program — up to $1,000 refundable credit for home modifications helping seniors stay at home.
- Nova Scotia: Wheelchair Accessibility Grant — up to 50% of eligible costs (max $2,500) for mobility accessibility modifications.
Medical Expense Tax Credit for Accessibility Renovations
Certain accessibility renovations for a person with a disability — such as wheelchair ramps, grab bars, widened doorways, or walk-in tubs — may qualify as medical expenses on Schedule 1 of your T1 return. The federal medical expense credit is 15% of qualifying medical expenses above the lesser of $2,635 or 3% of your net income.
Example: Multigenerational Suite Renovation in Ontario
$45,000 Secondary Suite for Parent (65+) — Ontario — Net Income $70,000
| Total Renovation Cost | $45,000 |
| Eligible Expenses | $40,000 |
| Federal MHRTC (15% × $40,000) | $6,000 |
| Ontario Healthy Homes Credit (15% × $10,000) | $1,500 |
| Medical Expense Credit (if applicable) | ~$500 |
| Total Credits | $8,000 |
| Net Cost After Credits | $37,000 |
| Effective Subsidy Rate | 17.8% |