52 mortgage + property calculators
Built for Canadian homebuyers, owners, investors, and brokers. New calculators ship every few weeks.
52 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
The federal qualifying rate on your scenario — and when a straight switch at renewal is exempt.
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
Your renewal offer vs the best rate available — the saving over the term after switching costs.
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, and how much sooner with bi-weekly, extra monthly or lump-sum payments.
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
Net GST/HST on a new home after rebates, including the First-Time Home Buyers' GST rebate of up to $50,000.
New home HST rebate
Which new-home rebates you can claim — federal, first-time buyers' GST and Ontario's — and how to claim them.
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 Speculation and Vacancy Tax on a home that isn't exempt — 1% or 3% for 2026, up to 4% from 2027.
Vacant home tax (Toronto / Ottawa / Vancouver)
Municipal vacant home tax: Toronto 3% of CVA, Ottawa from 1% rising with repeat vacancy, Vancouver 3%.
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.
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)
Capital gains tax on selling a rental or cottage at the 50% inclusion rate, plus recaptured CCA.
Underused Housing Tax (UHT)
Federal UHT — eliminated from 2025; works out the 1% tax still owed for 2022–2024.
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
Turn lender basis points into dollars: finder fee, trailer over the term, agent split.
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.
Lender calculators
A payment calculator for eleven Canadian lenders, each with that lender's own published prepayment, porting and penalty rules and links to where they come from. Independent — not affiliated with any of them.
- TD Canada Trust mortgage calculator
- RBC Royal Bank mortgage calculator
- Scotiabank mortgage calculator
- BMO Bank of Montreal mortgage calculator
- CIBC mortgage calculator
- National Bank of Canada mortgage calculator
- First National Financial mortgage calculator
- MCAP mortgage calculator
- Merix Financial mortgage calculator
- Manulife Bank mortgage calculator
- Desjardins mortgage calculator