Canadian Mortgage Calculators & Tools

Calculate monthly payments, total interest, and see your full amortization schedule.

Find out how much home you can afford based on your income and debts.

See your payment schedule with a detailed breakdown of principal and interest.

See how lump sum or extra payments can save you thousands in interest.

Calculate the minimum down payment required for your home purchase.

Estimate your CMHC mortgage insurance premium based on your down payment.

Calculate the penalty for breaking your mortgage early (IRD vs. 3 months interest).

Check if you qualify for a mortgage based on your income, debts, and the stress test.

See if refinancing makes sense by comparing your current mortgage to a new rate.

Compare renewal options and see how different rates affect your payments.

Check if you pass the B-20 stress test at the qualifying rate.

Calculate payments on an interest-only mortgage and compare to a standard mortgage.

Estimate how much you can access from your home equity with a reverse mortgage.

Compare the total cost of buying a home versus renting and investing the difference.

Find out the minimum income needed to buy a home at any price in Canada.

See what income is required to buy a home in major Canadian cities.

Calculate your GDS and TDS ratios to see if you meet lender requirements.

Estimate all the costs of closing on a home purchase in your province.

Calculate your LTV ratio to understand your equity and insurance requirements.

Estimate payments on a home equity line of credit.

Programs, incentives, and calculators for first-time buyers in Canada.

Compare current fixed and variable mortgage rates from top Canadian lenders.

Monthly housing market data for Toronto, Vancouver, Calgary, Edmonton, and Montreal.

Compare fixed and variable rate mortgages to find the best option for you.