Free for licensed brokers
Calculator widgets for your own site.
Canadian math, not American, fixed mortgages compound semi-annually, not monthly, and most free calculators on the web get that wrong. Pick one, copy the snippet, done.
Use it here first
Mortgage payment calculator →
CMHC premium and the provincial tax on it, total interest, the balance you renew at the end of your term, the stress-test qualifying payment and a year-by-year breakdown.
Start here if you are shopping
Mortgage affordability calculator →
Your maximum purchase price on real GDS and TDS limits, the stress test applied, cash needed to close, and whether it is your income or your down payment holding you back.
Before you make an offer
Land transfer tax calculator →
Provincial and municipal tax tier by tier for every province, including the Toronto double tax, with first-time buyer rebates applied and capped correctly.
If your term is ending
Mortgage renewal calculator →
Your payment shock in dollars and percent over your real remaining amortization, what extending costs, what staying with your lender costs, and the date to start shopping.
If you have under 20% down
CMHC insurance calculator →
Your premium rate by loan-to-value band, the provincial tax due in cash at closing, what financing it costs monthly, and the premium at every down payment tier.
Before you apply
Mortgage stress test calculator →
A straight pass or fail against the real 39% and 44% limits, your qualifying payment beside the one you would actually make, and, if you fail, what would pass.
To clear it faster
Accelerated payment calculator →
All six payment frequencies side by side, the real payoff date for each, and the interest and years accelerated bi-weekly actually saves, with what it costs you.
Year by year
Amortization schedule calculator →
The whole schedule drawn out: how each year's payments split between interest and principal, the year principal overtakes interest, and what extra payments really save.
Mid-term decision
Blend and extend calculator →
Blend, port or break, all three priced over the same term. Shows the penalty under both lender methods, and how much of it is hidden inside the blended rate.
Break or stay
Break my mortgage calculator →
A verdict, not just a penalty. Weighs the charge against what you would actually save, and finds the renewal rate where waiting stops being cheaper.
Dates don’t line up
Bridge financing calculator →
What it costs to bridge the gap between closings, priced on simple daily interest, plus the cost of carrying both homes, which is usually larger.
Cash to close
Closing costs calculator →
Every line itemised as a real range, the total cash you need on closing day, and the same purchase priced in five provinces to show what location costs you.
Month after month
Cost of ownership calculator →
What running a home actually costs beyond the payment, and how much of that payment you get back as equity rather than spend.
Cards into the mortgage
Debt consolidation calculator →
The cash flow it frees, what fits under the 80% ceiling, and three options costed the same way, including the one that avoids the longer amortization.
Why the bank said no
GDS and TDS calculator →
The two ratios that decide a file, on the stress-tested payment lenders actually use, with the binding ratio named and every fix sized in dollars.
Buying pre-construction
New home GST rebate calculator →
What your builder’s quote actually means, every rebate against the tax, and the cash you need on the day, an estimate, not tax advice.
Buying without a Canadian passport
Non-resident buyer calculator →
Whether you are permitted to buy, what the foreign-buyer surcharge adds to your closing, and the annual taxes that occupancy switches off.
Buying to rent out
Rental property calculator →
Cash flow, cap rate and debt coverage, and whether three different lenders would approve the same file, qualified at the rate they actually use.
Working for yourself
Self-employed mortgage calculator →
Five ways Canadian lenders read the same tax return, which of them your file can actually use, and what the gap is worth in purchase price.
Aged 55 and over
Reverse mortgage calculator →
What it advances, what the balance compounds to with nothing being paid, and the year it would overtake the value of the house.
Deciding whether to buy at all
Rent vs buy calculator →
Owning against renting and investing the difference, with the down payment’s opportunity cost counted and the assumptions stress-tested.
Your term is ending
Refinance vs renew calculator →
Renew, refinance, or renew and add a line of credit, the third option nobody offers you, priced against the two everybody does.
Two offers in front of you
Rate comparison calculator →
What each offer really costs over the term, the principal a payment comparison hides, and the month a cashback offer stops being the cheapest.
Buying something that needs work
Purchase plus improvements calculator →
Renovation money at mortgage rates instead of credit-line rates, what it lends, what it genuinely saves, and the cash you have to find first.
Before you narrow the search
Property tax calculator →
Your annual bill by municipality, the same home priced across 36 cities, and the effective rate that makes them actually comparable.
When the bank has said no
Private mortgage true cost calculator →
What a private or second mortgage really costs once every fee is counted, and whether cheaper money already has room for what you need.
Moving the whole mortgage
Mortgage refinance calculator →
Three things change at once, the rate, the amortization and how much you owe. This splits them, and finds the month you are genuinely ahead.
Money in hand
Mortgage prepayment calculator →
What a lump sum saves and what it costs you to put in, plus the same money compared across three timings, because sooner beats bigger.
Before you break
Mortgage penalty calculator →
Both methods Canadian lenders use, side by side, plus the month your charge stops falling, which is when waiting stops being worth anything.
Before you tick that box
Mortgage insurance vs term life →
Creditor cover shrinks with your balance while the premium does not, see what each costs per $1,000, and the term price at which they break even.
Start from your savings
Maximum purchase price calculator →
The most you can spend, with closing costs taken out of your cash first, plus which constraint is really limiting you, and what would move it.
What you can actually reach
Home equity calculator →
The equity you have against the smaller amount anyone will lend against it, five products, five ceilings, each costed the way it really works.
Borrowing against equity
HELOC calculator →
Your limit under both the 65% revolving cap and the 80% combined ceiling, and what interest-only really costs when the balance never moves.
The perennial question
Fixed vs variable calculator →
Five rate paths priced, none of them a forecast, plus the trigger rate on a fixed-payment variable and the penalty gap nobody mentions until you need it.
The first question
Minimum down payment calculator →
Canada tiers the minimum rather than using a flat rate. See the tier math, your shortfall, and what reaching 20% genuinely saves once the premium is financed.
Getting to the start line
Down payment savings calculator →
Your ready date, counting closing costs and the RRSP you can actually withdraw, plus what reinvesting your FHSA refund takes off it.
Your brand · your leads
Build a branded calculator for your website →
Pick your colours, copy one snippet. Every lead it captures is emailed to you with the figures the visitor ran, tagged with your own partner code. Free, no cap.