How is each line total calculated in the estimate spreadsheet?

Each line total is the sum of its four columns: equipment plus material plus labour plus lump sum. Use whichever columns fit the item, splitting a trade into equipment, material, and labour when you have the breakdown, or dropping a single quoted price into the lump-sum column for packaged items like a septic system or cabinet package.

Home Construction Estimate Spreadsheet

Q: How are overhead, profit, and HST applied?

Overhead and profit are editable percentages of the subtotal (all line items added up). HST at 13% is then calculated on the subtotal plus overhead plus profit, and the final total is the sum of all four. Homeowners can set overhead and profit to zero and just track hard costs plus HST.

Q: Is this an accurate quote for my build?

No, it is a planning worksheet that is only as accurate as the numbers you enter. The pre-loaded sections give the right structure, but real accuracy comes from replacing the line items with actual quotes. Compare your total against the per-square-foot ranges for Ontario and have a builder review it before you rely on it.

Ontario – build budgeting Auto-saves in your browser CSV export + print

Home Construction Estimate Spreadsheet (Ontario)

A free, editable estimate worksheet for an Ontario custom home. It comes pre-loaded with the standard build cost sections – site, foundation, framing, envelope, mechanical, finishes, and allowances – so you are not staring at a blank grid. Enter equipment, material, labour, and lump-sum costs per line; it totals everything, adds your overhead, profit, and HST, and saves to your browser so a refresh does not wipe your work. Export to CSV or print a clean copy anytime.

1Pre-loaded sections 2Equipment + material + labour 3Overhead, profit, HST 4CSV + print

Summary

Subtotal (all line items)$0.00

Overhead%

Overhead amount$0.00

Profit%

Profit amount$0.00

HST (13% on subtotal + overhead + profit)$0.00

HST is applied on the subtotal plus overhead and profit. Adjust the overhead and profit percentages to match how you build your pricing.

Estimated project total (incl. HST)

$0.00

Planning estimate – replace the line items with your own quotes

Auto-save uses your browser’s local storage and stays on your device – nothing is uploaded. If you clear your browser data or use private mode, your entries may not persist, so export a CSV for anything important.

How to use this estimate spreadsheet

Each line has four cost columns – equipment, material, labour, and lump sum – and the line total adds them together. Split a cost across columns when you have the detail (say, an excavator line with machine time in equipment and the operator in labour), or drop a single quoted price into the lump-sum column for items like “septic system” or “kitchen cabinets.” Add or remove rows within any section, rename sections, or add your own. The summary rolls it all up, applies your overhead and profit, and adds HST.

Fastest way to a real number: collect actual quotes for the big line items (foundation, framing, mechanical, cabinets) and drop them into the lump-sum column, then use rougher estimates for the rest. A budget built on three or four real quotes plus sensible allowances beats a spreadsheet full of guesses.

What a build actually costs in Ontario (2026)

Use these per-square-foot ranges as a sanity check on your total. They are construction-only figures – land, major site prep, and permit fees are on top – and they vary with finish level, design complexity, and site conditions.

Region	Construction cost (2026)	Notes
Northern Ontario	$280 – $380 / sq ft	Lowest rates for standard builds
Southwestern Ontario	$300 – $450 / sq ft	The most affordable entry point in the south
Most of Ontario	$340 – $575 / sq ft	Typical custom-home range, before site costs
GTA	$500 – $800+ / sq ft	Premium rates; higher labour and overhead
Toronto / luxury	$900+ / sq ft	High-end finishes and complex sites

Ranges are 2026 planning figures and exclude land, servicing, and permits. For the full picture, read our cost to build a house in Ontario guide, and remember the site and foundation can swing the total more than the house itself – see foundation types.

Want a builder to sanity-check your number before you commit?

We design and build custom ICF homes across Simcoe County and Georgian Bay, foundation to finish. Send us your plans or your rough budget and we will give you a straight ballpark and flag what is missing. No charge to ask.

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Estimate spreadsheet: frequently asked questions

How is each line total calculated?

Each line total is the sum of its four columns: equipment plus material plus labour plus lump sum. Use whichever columns fit the item – split a trade into equipment, material, and labour when you have the breakdown, or drop a single quoted price into the lump-sum column for packaged items like a septic system or a cabinet package.

How are overhead, profit, and HST applied?

Overhead and profit are percentages of the subtotal (all line items added up), and you can edit both to match how you price. HST at 13% is then calculated on the subtotal plus overhead plus profit, and the final total is the sum of all four. If you are a homeowner rather than a builder, you can set overhead and profit to zero and just track your hard costs plus HST.

Will my numbers be saved if I close the page?

Yes, within the same browser. The tool auto-saves to your browser’s local storage, so a refresh will not wipe your work. Nothing is uploaded anywhere – it stays on your device. If you clear your browser data, switch devices, or use private/incognito mode, the saved copy may not carry over, so export a CSV for anything you want to keep.

Can I export the estimate?

Yes. Export CSV downloads a spreadsheet file you can open in Excel or Google Sheets, with each section, line item, and cost column. Print / save PDF produces a clean printable copy. Both are good ways to share the estimate with a partner, lender, or builder.

Is this an accurate quote for my build?

No – it is a planning worksheet, only as accurate as the numbers you put in. The pre-loaded sections give you the right structure, but the real accuracy comes from replacing the line items with actual quotes. As a sanity check, compare your total against the per-square-foot ranges above, and get a builder to review it before you rely on it.

Disclaimer: this tool is for planning and budgeting only. Costs vary widely by site, design, finish, region, and market conditions, and this worksheet is not a quote or financial advice. Always confirm your budget with quotes from licensed contractors and your own due diligence before committing.

Related calculators and guides

Custom home building calculator ICF cost calculator Footings cost calculator Cost to build a house Full cost of building Foundation types

Building a home in Simcoe County or Georgian Bay?

We design and build custom ICF homes across the region for 45 years – HCRA-licensed and Tarion-backed – foundation to finish, with our own crew for the site work. Send us your estimate and we will tell you where it is realistic and where it is light. We work across Collingwood, Wasaga Beach, the Blue Mountains, Stayner, Barrie, Springwater, Oro-Medonte, Midland, Penetanguishene, Tiny, and Tay. Call 705-533-1633, or pick the path that matches where you are right now.

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