Planning view
Your real monthly picture
Bring income, expected expenses, current housing costs, and savings into one planning view before you start comparing homes.
Free planning tool for Canadian home buyers
Your numbers, your plan, your timeline.
Nido helps you bring income, monthly spending, existing debt, savings, and mortgage scenarios into one planning view, so you can understand what each home would do to your monthly budget before you make a commitment.
Free with Excelvia account
No bank affiliation
Canadian-first planning logic
Estimates only
Household readiness snapshot
Example planning view
Monthly income
$8,250
Expected expenses
$3,150
Debt payments
$725
Selected housing budget
$3,450
Mortgage scenario comparison
Up to 10 selected
Townhouse estimate$3,280
Within plan
Detached estimate$4,180
Pressure
Condo estimate$3,020
Review fees
Savings capacity
$24,000 available
LOC capacity
$12,500 remaining
Example planning view. Figures are illustrative estimates only and do not represent real user data.
What Nido helps you see
Understand what your budget can realistically support.
Nido keeps the planning practical. It connects household cashflow, debt, home details, and mortgage assumptions without pretending an estimate is a final lending decision.
Planning view
Debt before mortgage
See credit cards, lines of credit, car loans, and installment plans beside the new housing cost you are considering.
Planning view
Home Hunting and property comparison
Track homes you are considering, keep practical property details together, and connect a property to a mortgage scenario.
Planning view
Mortgage scenarios
Save up to 30 mortgage scenarios with purchase price, down payment, rate, amortization, taxes, fees, and carrying cost assumptions.
Planning view
Stress testing
Review planning assumptions and affordability pressure so you can understand how a scenario may affect monthly cashflow.
Planning view
Savings, LOC, and closing cost planning
Estimate how savings, line of credit capacity, closing costs, and move-in costs may shape the cash needed to complete a purchase.
How it works
Build the plan from your household outward.
01
Sign in with Excelvia
Start through your Excelvia account. Nido does not create a separate password.
02
Set up your household
Add the people and household context you want included in the planning view.
03
Enter income
Record gross and net monthly income so the plan reflects what reaches the household.
04
Enter expected expenses
Add monthly spending categories and expected costs after a move.
05
Add debts and installment plans
Include credit cards, lines of credit, car loans, and fixed payment obligations.
06
Track homes in Home Hunting
Save homes you are considering and keep the practical details in one place.
07
Build up to 30 mortgage scenarios
Model different purchase prices, down payments, rates, fees, and carrying costs.
08
Compare up to 10 scenarios side by side
Select the scenarios that matter most and compare monthly pressure before you commit.
Compare before you commit
See the monthly pressure before the purchase becomes real.
Nido is decision support for households. It helps you compare what different homes may do to cashflow, debt pressure, savings needs, and closing cost assumptions.
Not just a mortgage calculator
A payment estimate is useful, but it is only one part of the monthly picture.
Not just a budget tracker
A budget tells you where money goes today. It does not show what a new home may add.
Both views connected
Nido puts the mortgage scenario beside income, expenses, debt, savings, and LOC capacity.
Selected scenario comparison
Illustrative estimates
Current rent
$1,420
Estimated monthly cashflow
Condo option
$520
Estimated monthly cashflow
Detached option
-$340
Estimated monthly cashflow
Start your plan
Start with your actual numbers.
Nido provides estimates and planning views for decision support. It is not mortgage approval, tax advice, legal advice, or a replacement for guidance from a licensed mortgage broker or qualified professional.
Start your plan