The reason a REALTOR® can offer these tools at no cost is that they are lead-generation, not a paid service. The Saskatchewan Real Estate Commission requires commission to be negotiated and agreed in writing before it applies, so Joel earns nothing from a calculator and trying one carries no fee or fine print.
What a calculator cannot do is see inside your specific home. A minimum down payment tool can tell you that 5 percent applies on the first $500,000 of a purchase price and 10 percent above that, but no online tool can price a kitchen renovation the City of Saskatoon's records never captured.
That is the gap between a free estimate and a real number. Get your hand-reviewed valuation from Joel Dyck.