Calculator library
Choose the mortgage question you need answered.
Every calculator starts at zero, uses visible assumptions, and works without an account.
Independent guidance · Visible sources
Renewal and payments
What could my payment be at renewal?
Estimate your payment after renewal and compare a longer amortization, a lump sum, and your current remaining schedule.
Mortgage renewalWhat will my mortgage payment be?
Calculate a Canadian mortgage payment, term interest, principal repaid, and an optional monthly ownership budget.
Mortgage paymentCould accelerated payments shorten my mortgage?
Compare monthly and accelerated-biweekly payments, interest, term balance, and estimated payoff time.
Accelerated paymentsBuying and affordability
How much mortgage might I qualify for?
Estimate a maximum mortgage and purchase price using visible GDS, TDS, and stress-test assumptions.
AffordabilityWould this mortgage pass the stress test?
Compare a contract-rate payment with the qualifying rate and see the difference in estimated mortgage capacity.
Mortgage stress testHow do renting and buying compare over time?
Compare estimated housing cash flow and net worth under user-defined renting and buying assumptions.
Rent versus buyPrepayment and penalties
How much could a lump sum save me?
Compare dated lump sums, recurring increases and accelerated payments across the current term and a long-term projection.
Mortgage prepaymentWhat could it cost to break my mortgage?
Compare an approximate three-month-interest charge with an interest rate differential.
Mortgage penaltyComparisons and closing costs
How could fixed and variable payments differ?
Compare user-defined fixed and variable rate paths without pretending to predict interest rates.
Fixed versus variableHow much cash might I need at closing?
Estimate transfer tax, legal costs, title insurance, inspection, appraisal, adjustments, moving, and mortgage insurance.
Closing costsWhat land transfer tax could apply?
Estimate progressive transfer tax or registration charges using versioned provincial and municipal rules.
Land transfer taxCalculator entries are processed in your browser and are not intentionally stored on our servers. Results are educational estimates, not financial advice, lender approval, or a binding quote.