Free Mortgage Calculators

Ten tools built with real Canadian mortgage math — semi-annual compounding, stress test, CMHC insurance, Ontario land transfer tax, and more. No sign-up required.

Mortgage Payment

Calculate your exact mortgage payment

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Affordability

How much home can you afford?

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Stress Test

Check if you pass Canada's stress test

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Refinance & Cash-Out

Refinance or cash out your home equity

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Renewal

Save money on your mortgage renewal

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Rent vs Buy

Should you rent or buy?

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Investment Property

Analyze your investment property ROI

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Land Transfer Tax

Calculate Ontario land transfer tax

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Closing Costs

Estimate your total closing costs

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Pre-Qualification

Check your pre-qualification odds

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Not sure which calculator to use?

Answer a quick question to find the right tool.

Buying a home?

Payment Calculator

Know your budget?

Affordability Calculator

Up for renewal?

Renewal Calculator

Thinking of refinancing?

Refinance Calculator