Mortgage Calculators
Powerful tools designed for Canadian homebuyers and investors. From affordability to complex investment analysis.
25 calculators found
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6 featuredFirst-time essentials
3 featuredInvestor toolkit
2 featuredAll calculators
Explore every mortgage workflow available today.
Payment Estimator
See mortgage payment by rate, term, amortization and frequency.
Amortization
Balance, interest vs principal, exportable schedule.
Amortization Compare
Side-by-side amortization scenarios with charts.
Prepayment Impact
One-time and recurring prepayments—interest saved and years shaved.
Affordability (Max Purchase)
GDS/TDS-driven max price, stress-tested.
Income Qualifier
Max qualifying amount from income & debts.
Debt Service (GDS/TDS)
Full ratio breakdown with policy toggles.
Insurer Premium
CMHC/Sagen/CG premiums, capitalization, PST where applicable.
Closing Costs
Line-item legal, title, appraisal, tax adjustments by province.
Property Transfer Duties (Canada)
Province/municipality land transfer taxes + first-time rebates.
BC Property Transfer Tax
BC PTT + overlays (e.g., luxury brackets), FTHB flags.
Refinance Analyzer
Payment change, savings, penalty, and breakeven timeline.
Refi Breakeven
How many months until you recoup refi costs?
Stress Test Qualifier
OSFI MQR or contract+buffer; insured/uninsured forks.
Minimum Down Payment
Tiered rules, >$1M uninsured handling; interacts with premium.
Cash Needed to Close
DP, PTT, premiums, taxes and adjustments waterfall.
Renewal Compare
Offers vs market; payment shock forecast.
Prepayment Penalty Estimator
3-month interest vs IRD with posted/discounted logic.
Rental Income Qualifier
Offset vs Add-back, vacancy & expense shading ('dimming').
DSCR / NOI
Debt Service Coverage at property and portfolio levels.
HELOC Payment & Interest
Interest-only vs amortized options, prime-linked.
Smith Manoeuvre
Deductible tracking, capitalize interest (optional), exports.
Fixed vs Variable
Sensitivity bands and expected prime path.
Rate Comparison (True Cost)
Show nominal vs true cost, audit cashback promos, and surface the PV discount math.
Trigger Rate & Point
VRM survivability and negative amortization guard.
Run scenarios freely, then create a free account to save them. Your dashboard syncs calculators with renewal reminders, rate holds, and document checklists.