Financial Tools
Canadian Mortgage Calculators
21 free tools built on Canadian rules — semi-annual compounding, GDS/TDS ratios, the stress test, CMHC premiums, and provincial land transfer tax. Every one comes with a plain-English explanation of the maths.
- Free, no sign-up
- Canadian compounding
- BC · Alberta · Ontario
Residential calculators(20)
Tools for homeowners and buyers — payments, affordability, closing costs and refinancing.
Payments & Amortization(4)
Work out the monthly payment, the schedule behind it, and what paying extra saves.
Amortization Calculator
Free Canadian amortization calculator. See a full payment-by-payment schedule, how much goes to interest vs principal, and what extra payments save you.
Extra Mortgage Payment Calculator
Calculate how extra monthly payments and annual lump sums reduce mortgage interest and shorten your amortization using Canadian compounding.
Mortgage Payment Calculator
Calculate your Canadian mortgage payment with semi-annual compounding. Compare monthly, bi-weekly and accelerated payments and see total interest.
Mortgage Penalty Calculator
Estimate the cost of breaking your mortgage early in Canada — three months' interest or interest rate differential (IRD), with the posted-rate trap explained.
Affordability & Down Payment(4)
See what you qualify for, the minimum down payment, and whether buying beats renting.
Affordability Calculator
Find out how much mortgage you qualify for in Canada using real lender GDS and TDS ratios, the stress test, and minimum down payment rules.
Down Payment Calculator
Calculate the minimum down payment on a home in Canada, your mortgage amount and estimated CMHC insurance for purchases in BC, Alberta and Ontario.
GDS & TDS Calculator
Calculate your GDS and TDS ratios the way Canadian lenders do, at the stress test rate. See exactly which ratio limits your approval and by how much.
Rent vs Buy Calculator
Use this rent vs buy calculator for BC, Alberta and Ontario to compare owning and renting, including equity, appreciation, maintenance and investment returns.
Closing Costs & Land Transfer Tax(5)
Budget the cash you need on closing day, including provincial land transfer tax.
BC Land Transfer Tax Calculator
Calculate BC land transfer tax (Property Transfer Tax) instantly. 1% / 2% / 3% rates, first-time buyer and newly built home exemptions, with a worked example.
Closing Cost Calculator
Free Canadian closing cost calculator. Land transfer tax, legal fees, title insurance, adjustments, PST on insurance and GST on new builds — see the cash you need at closing.
Land Transfer Tax Calculator
Calculate property transfer tax in BC, Ontario land transfer tax, and Alberta registration fees, including first-time buyer rebates and Toronto's municipal tax.
Ontario Closing Cost Calculator
Estimate Ontario closing costs: provincial and Toronto municipal land transfer tax, legal fees, title insurance, adjustments and first-time buyer rebates.
Purchase & Closing Cost Calculator
Calculate your minimum down payment, CMHC insurance premium, and total monthly cost on a Canadian home purchase, including closing costs.
Renewal, Refinance & Compare Offers(6)
Shop your renewal, compare lender offers, weigh a rate change, or unlock equity.
Equity Takeout Calculator
Compare the two ways to pull cash out of your home: break the mortgage for a bigger first, or add a second behind it. Penalty, fees and net cash, side by side.
Mortgage Comparison Calculator
Compare two Canadian mortgage offers side by side — rates, terms, amortization and closing costs — and see which one costs less over the term. Free calculator.
Mortgage Rate Difference Calculator
Compare two Canadian mortgage rates and see the monthly payment difference, interest saved over the term and balance remaining at renewal.
Mortgage Renewal Calculator
Free Canadian mortgage renewal calculator. Compare your lender's renewal offer against a rate you shop, see the new payment, and find your net saving after switch costs.
Refinance Calculator
See whether refinancing your Canadian mortgage pays off. Compare the penalty and costs against interest savings and find your break-even point.
Reverse Mortgage Calculator
Estimate how much you can access with a Canadian reverse mortgage at 55+, how the balance compounds, and how much home equity remains over time.
Separation & Spousal Buyout(1)
Split the equity, price the buyout, and see the mortgage the staying spouse carries.
Commercial calculators(2)
Tools for investment, multi-unit and commercial property financing.
Commercial Closing Costs(1)
Transfer tax, title fees and GST/HST on commercial and investment purchases.
Want exact numbers for your situation?
Calculators give you the shape of the answer. With access to a network of over 100 lenders, I can tell you what you actually qualify for.
