Calculators
Free Canadian mortgage calculators
31 calculators for payments, affordability, the stress test, amortization, land transfer tax, closing costs, HELOCs, refinancing, and paying off faster. Everything runs in your browser — no sign-up.
Mortgage Basics
Qualifying & Pre-Approval
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Mortgage Affordability Calculator
Estimate the maximum home price and mortgage you may qualify for using Canadian gross debt service (GDS) and total debt service (TDS) ratios.
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Mortgage Stress Test Calculator
See the qualifying rate the federal mortgage stress test applies to your application and what it does to your maximum purchase price.
Rates & Terms
Payments & Amortization
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Mortgage Payment Calculator
Work out your monthly, bi-weekly, or weekly mortgage payment from the loan amount, rate, amortization, and payment frequency.
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Amortization Schedule Calculator
Generate a year-by-year mortgage amortization schedule showing how each payment splits between principal and interest.
Closing Costs & Insurance
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Land Transfer Tax Calculator
Estimate provincial land transfer tax and the Toronto municipal tax on a home purchase, with first-time buyer rebates where they apply.
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Closing Costs Calculator
Add up the one-time costs of buying a home in Canada — land transfer tax, legal fees, title insurance, appraisal, and adjustments.
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CMHC Mortgage Insurance Calculator
Estimate the mortgage default insurance premium on a high-ratio mortgage based on your loan-to-value ratio and amortization.
Renewal, Refinance & Switching
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Mortgage Renewal Calculator
Compare your current payment with the payment at a new renewal rate, and see the interest difference over the next term.
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Refinance Break-Even Calculator
Find how many months it takes for the monthly savings from refinancing to cover the penalty and refinancing costs.
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Mortgage Penalty Calculator
Estimate the interest rate differential (IRD) and three-months-interest penalties for breaking a fixed or variable mortgage early.
Home Equity & HELOC
First-Time Buyers
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Down Payment Calculator
Calculate the minimum down payment for a Canadian home under the tiered rules, plus whether CMHC mortgage insurance applies.
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First-Time Buyer Programs Calculator
Estimate the benefit of the RRSP Home Buyers' Plan and the First Home Savings Account for your first down payment.
Paying Off Faster
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Biweekly vs Monthly Mortgage Calculator
Compare a monthly payment with accelerated bi-weekly payments and see the interest saved and years shaved off the mortgage.
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Mortgage Prepayment Calculator
See the interest saved and time removed from your amortization when you make a lump-sum prepayment.
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Mortgage Payoff Calculator
Find out how much extra to pay each month to pay your mortgage off by a target date.
By Province
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Mortgage Calculator — Ontario
Estimate your Ontario mortgage payment and Ontario land transfer tax, with first-time buyer treatment, in one place. Enter your own rate — no rate is assumed.
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Mortgage Calculator — British Columbia
Estimate your British Columbia mortgage payment and British Columbia land transfer tax, with first-time buyer treatment, in one place. Enter your own rate — no rate is assumed.
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Mortgage Calculator — Alberta
Estimate your Alberta mortgage payment and Alberta land transfer tax, with first-time buyer treatment, in one place. Enter your own rate — no rate is assumed.
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Mortgage Calculator — Saskatchewan
Estimate your Saskatchewan mortgage payment and Saskatchewan land transfer tax, with first-time buyer treatment, in one place. Enter your own rate — no rate is assumed.
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Mortgage Calculator — Manitoba
Estimate your Manitoba mortgage payment and Manitoba land transfer tax, with first-time buyer treatment, in one place. Enter your own rate — no rate is assumed.
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Mortgage Calculator — Quebec
Estimate your Quebec mortgage payment and Quebec land transfer tax, with first-time buyer treatment, in one place. Enter your own rate — no rate is assumed.
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Mortgage Calculator — New Brunswick
Estimate your New Brunswick mortgage payment and New Brunswick land transfer tax, with first-time buyer treatment, in one place. Enter your own rate — no rate is assumed.
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Mortgage Calculator — Nova Scotia
Estimate your Nova Scotia mortgage payment and Nova Scotia land transfer tax, with first-time buyer treatment, in one place. Enter your own rate — no rate is assumed.
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Mortgage Calculator — Prince Edward Island
Estimate your Prince Edward Island mortgage payment and Prince Edward Island land transfer tax, with first-time buyer treatment, in one place. Enter your own rate — no rate is assumed.
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Mortgage Calculator — Newfoundland and Labrador
Estimate your Newfoundland and Labrador mortgage payment and Newfoundland and Labrador land transfer tax, with first-time buyer treatment, in one place. Enter your own rate — no rate is assumed.
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Mortgage Calculator — Yukon
Estimate your Yukon mortgage payment and Yukon land transfer tax, with first-time buyer treatment, in one place. Enter your own rate — no rate is assumed.
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Mortgage Calculator — Northwest Territories
Estimate your Northwest Territories mortgage payment and Northwest Territories land transfer tax, with first-time buyer treatment, in one place. Enter your own rate — no rate is assumed.
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Mortgage Calculator — Nunavut
Estimate your Nunavut mortgage payment and Nunavut land transfer tax, with first-time buyer treatment, in one place. Enter your own rate — no rate is assumed.