50+ mortgage + property calculators
Built for Canadian homebuyers, owners, investors, and brokers. New calculators ship every few weeks.
53 live today · 0 on the calendar
Mortgage payment
Calculate your regular mortgage payment from amount, rate, term, amortization.
Affordability
How much home can you afford on your income with current rates and the stress test.
Mortgage stress test
OSFI stress test rate applied to your scenario — federal, same nationwide.
Pre-approval amount
Maximum mortgage you can get pre-approved for under current rules.
Refinance savings
Compare current vs new rate — savings after IRD penalty and fees.
Refinance to consolidate debt
Roll high-interest debt into your mortgage — savings and payoff timeline.
Renewal comparison
Current renewal offer vs market alternatives — total cost over the term.
Prepayment savings
Lump-sum or accelerated payments — interest saved and years off.
Bi-weekly vs monthly
Compare accelerated bi-weekly to monthly payments.
Fixed vs variable
Side-by-side fixed and variable scenarios with breakeven analysis.
Amortization schedule
Per-period breakdown — principal, interest, remaining balance.
Breaking your mortgage (penalty)
IRD vs 3-month interest penalty calculation for breaking your term.
Blended rate
Blend old balance and new advance at a weighted-average rate.
Mortgage payoff timeline
How long until you're mortgage-free at current pace + acceleration scenarios.
Second mortgage / private
Estimate second mortgage or private lending payments.
Reverse mortgage
Estimate funds available from a CHIP-style reverse mortgage.
Default insurance comparison
Compare CMHC, Sagen, and Canada Guaranty premiums.
Bridge loan
Bridge financing between the sale of your current home and the close on the new one.
Self-employed affordability
Qualifying mortgage for self-employed borrowers — BFS income haircuts + alt-A spreads.
Land transfer tax
Provincial LTT (and municipal where applicable) on your purchase price.
Down payment + CMHC
Minimum down payment and CMHC premium for your scenario.
Closing costs
All-in closing cost estimate — legal, inspection, tax adjustments.
Rent vs buy
Long-run buy vs rent calculation including ownership costs and opportunity cost.
GST/HST on new construction
GST/HST owed on a new-construction purchase by province.
New home HST rebate
Federal + provincial new-housing rebate estimate.
Property tax estimator
Annual property tax for a given assessed value, by city.
Foreign buyer tax (NRST / FBT)
Non-resident speculation tax in Ontario (NRST 25%) and BC Additional PTT (20%).
BC Speculation + Vacancy Tax
Annual BC SVT for foreign owners and Canadian satellite families.
Vacant Home Tax (Toronto / Ottawa)
Municipal vacant home tax for Toronto and Ottawa — 1-3% of CVA.
Home equity / HELOC
Available home equity and HELOC limit on your property.
Net proceeds from selling
What you walk away with after commission, legal, payoff, and HST.
Renovation ROI
Estimated value uplift per renovation type.
Mortgage life insurance
Term-life vs bank-issued mortgage insurance comparison.
Early payoff plan
Combine extra monthly + annual lump-sum payments to project years off the mortgage.
Rental cash flow
Monthly cash flow on a rental property — rent vs expenses.
Cap rate + ROI
Capitalization rate and cash-on-cash return for a target property.
Rental yield
Gross and net rental yield on annual basis.
Down payment for a rental
Min down payment for rental properties (20% standard).
Airbnb / short-term rental
Project STR income net of occupancy + cleaning + management.
1% rule deal screener
Fast property-investment screener using the 1% rule.
BRRRR / flip
Buy-rehab-rent-refinance-repeat or flip profit estimator.
Capital gains tax (property)
Estimated capital gains tax on an investment property sale.
Underused Housing Tax (UHT)
Federal 1% annual UHT on underused or vacant residential property held by non-citizens / non-residents.
Debt-to-income ratio
GDS + TDS ratios on your full debt picture.
Net worth
Assets minus liabilities — full personal balance sheet.
Down payment savings goal
When will you have enough saved at your current monthly rate?
TFSA vs RRSP vs FHSA
Which account to use for your down payment savings.
Credit score impact
Estimated credit-score effect of common actions.
Compound interest
Long-run compound growth on contributions — handy for down-payment + investing plans.
Inflation impact
Real (inflation-adjusted) cost of mortgage payments over time.
Commission calculator
BPS-to-dollars commission across lender + funding amount + term.
Lead pre-qualification
Quick pre-qual check on income, debt, and price-range — broker-side.
Co-signer impact
How adding a co-signer's income and debt changes the qualifying mortgage amount.