Canadian-specific tools built with accurate semi-annual compounding and CMHC rules.
Calculate your monthly, bi-weekly, or weekly mortgage payment with Canadian semi-annual compounding.
Open Calculator →Find your maximum purchase price using Canada's GDS/TDS stress test rules.
Open Calculator →See how lump-sum payments and increased frequency shorten your amortization and save interest.
Open Calculator →Instant LTT estimates for all provinces, including Ontario and Toronto double tax and first-time buyer rebates.
Open Calculator →Estimate your IRD or 3-month interest penalty for breaking a fixed or variable mortgage early.
Open Calculator →Compare total cost of fixed and variable mortgages under different rate scenarios over your term.
Open Calculator →Calculate your CMHC mortgage insurance premium and see how it's added to your loan.
Open Calculator →See your remaining balance, payment change, and total interest at renewal with a new rate.
Open Calculator →Find your qualifying rate and maximum mortgage under the federal B-20 stress test rules.
Open Calculator →Estimate legal fees, title insurance, home inspection, and all costs beyond your down payment.
Open Calculator →Compare the true cost of renting versus buying over 5, 10, or 25 years in your city.
Open Calculator →Maximize your first home savings with the FHSA and RRSP Home Buyers' Plan tax advantages.
Open Calculator →Find the exact rate drop needed for a variable mortgage to beat fixed over your term.
Open Calculator →Model tax-deductible HELOC investing alongside your mortgage to build wealth faster.
Open Calculator →Calculate how much extra cash you need if the appraisal comes in below your purchase price.
Open Calculator →Analyze rental income, condo fees, taxes, and net cash flow for investment condos.
Open Calculator →Principal, interest, taxes and insurance combined into one carrying cost figure.
Open Calculator →Everything past the mortgage — maintenance, utilities, condo fees, and property tax.
Open Calculator →Interest rate differential in detail. The calculation method your lender uses decides the number.
Open Calculator →Whether porting your existing mortgage to a new property beats breaking it and re-signing.
Open Calculator →A guided walk through the fixed-or-variable decision, question by question.
Open Calculator →Compare monthly payment against lifetime interest across amortization lengths.
Open Calculator →Compare live tracked rates side by side by term, type, and lender category.
Open Calculator →Licensed mortgage professionals find you the rate these calculators are based on.
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