Vaughan, Ontario · FSRA #13737

All Mortgage Calculators —
real Canadian math.

25+ free tools built on Canadian semi-annual compounding. No sign-up, no credit pull. The same math our advisors run on live files.

FSRA licensed #13737
100+ lender partners
4.9 ★ Google rating (256 reviews)
15,000+ Canadians helped

Which mortgage calculator do I need?

Start with the payment or affordability calculator. Then pick the tool for your next step below.

Start here

What will I pay, and what can I afford?

Buying a home

How much cash do I need to buy?

Renewing, refinancing, equity

Should I renew, refinance or borrow against my home?

Investing & commercial

Will the property pay for itself?

How to use this calculator

Pick the right toolStart with the Payment or Affordability calculator for a first look. From there, drill into Stress Test, CMHC insurance, or Land Transfer Tax depending on where you are in your home-purchase journey.
Enter your numbersAll sliders and inputs update results as you type. Every calculator uses real Canadian semi-annual compounding and current OSFI and CMHC rules — the same math our advisors run on live files.
Turn the estimate into a real rateOnce you have a number you're comfortable with, our advisors confirm it against 100+ lenders in minutes — no credit pull required to get started.

FAQ

Common questions

Are all these mortgage calculators free?

Yes — all 25+ calculators on this page are available to you. No account, no email, no credit check. Input your numbers, get your answer, move on.

Do your calculators use Canadian math?

Yes. Canadian mortgages compound semi-annually by law, not monthly like American ones. Every calculator on this site uses correct Canadian semi-annual compounding, which means the payment figures match what your lender will actually charge.

Which calculator should I start with?

Most Canadians start with the Mortgage Payment Calculator (how much per month?) or the Affordability Calculator (how much can I borrow?). If you already have a rate offer, the Stress Test Calculator tells you whether you qualify under current OSFI rules.

How accurate are the results?

The math is accurate for planning purposes. CMHC premiums, Ontario land transfer tax, and stress test thresholds are updated to current rules. Your actual rate and payment will depend on your full application — property, income, credit, and the lender's specific product.

Can I use these calculators for any province in Canada?

Yes for most calculators. The Land Transfer Tax Calculator is province-specific and covers Ontario (including the Toronto double-land-transfer), BC, Alberta, and other provinces. Stress test and CMHC rules are federal and apply nationwide.

What is the mortgage stress test and which calculator covers it?

The stress test is an OSFI rule requiring you to qualify at the greater of your contract rate plus 2%, or 5.25%, regardless of your actual rate. Use the Stress Test Calculator before you shop to know the income you'll need, then check the Affordability Calculator to confirm your purchase price ceiling.

Want a real rate for these numbers?

Bring us a written offer from a big bank. We’ll try to beat it. If we can’t, we pay you $500. Conditions apply. See the conditions

Get pre-approved

Use our calculators in your city

Our mortgage calculators use the same math for every Canadian city — but rates and lender availability do vary by market. Find an advisor who knows your area.

All Mortgage Calculators —real Canadian math.