Mortgage Calculators

All mortgage and home-buying calculators

Payment maths, renewal and penalty scenarios, and province-by-province land transfer taxes. Rates and thresholds are the published figures for the year shown on each page.

Payments and affordability

• Amortization Calculator: Canadian mortgage amortization calculator.
• Canadian Mortgage Payment Calculator: Canadian mortgage payment calculator: semi-annual compounding, CMHC insurance, monthly vs bi-weekly payments and a full….
• Down Payment Calculator Canada 2026: Canada minimum down payment calculator: 5% of the first $500,000, 10% of the portion up to $1.5 million, 20% at $1.5 million….
• Mortgage Affordability Calculator (Canada): Canadian mortgage affordability calculator: enter income, debts and down payment to see the maximum price at the stress-test….
• Affordability Calculator Ontario: How Much House Can I Afford?: Ontario maximum home price from income, debts and down payment at the stress-test rate.
• How Much House Can I Afford in BC? Income, Stress Test & Transfer Tax: British Columbia maximum home price from income, debts and down payment at the stress-test rate.
• How Much House Can I Afford in Alberta? Income, Stress Test & Fees: Alberta maximum home price from income, debts and down payment at the stress-test rate.
• How Much House Can I Afford in Quebec? Income, Stress Test & Welcome Tax: Quebec maximum home price from income, debts and down payment at the stress-test rate.
• What Mortgage Can I Afford on a $80,000 Salary? Canada Stress Test Math: Maximum mortgage and home price on a $80,000 income in Canada.
• What Mortgage Can I Afford on a $100,000 Salary? Canada Stress Test Math: Maximum mortgage and home price on a $100,000 income in Canada.
• What Mortgage Can I Afford on a $150,000 Salary? Canada Stress Test Math: Maximum mortgage and home price on a $150,000 income in Canada.
• GDS and TDS Worked Examples (Canada): Step-by-Step Mortgage Qualification: Step-by-step GDS and TDS examples for Canadian mortgage qualification.
• How Much House Can I Afford: Single vs Couple Income (Canada): Maximum home price on one income vs two combined incomes in Canada.
• Mortgage Stress Test Calculator Canada 2026: Canadian mortgage stress test calculator.
• Mortgage Trigger Rate Calculator (Variable Rate, Fixed Payment): Mortgage trigger rate calculator for variable-rate mortgages with fixed payments.
• Nominal to Effective Annual Rate Calculator (Semi-Annual Mortgage Compounding): Nominal to effective annual rate converter for Canadian mortgages compounded semi-annually.
• Real Estate Commission Calculator Canada: Free Canadian real estate commission calculator: tiered rates you enter (for example 5% on the first $100,000 and 2.5% on the balance), GST/HST by province, and

Renewing, refinancing and paying down

• Blend and Extend Mortgage Calculator (Canada): Blend and extend mortgage calculator for Canada.
• Mortgage Penalty Calculator (IRD vs 3-Month Interest): Mortgage prepayment penalty calculator.
• Mortgage Prepayment Calculator: Canadian mortgage prepayment calculator.
• Mortgage Refinance Calculator: Canadian mortgage refinance calculator.
• IRD Penalty Calculator (Canada): IRD mortgage penalty under four rate-pair methods.
• Five-Year Mortgage Rule Calculator (Interest Act s. 10): Interest Act s. 10 five-year prepayment rule.
• Cash-Out Refinance Calculator (Canada): Cash available at the 80% limit and the new payment.
• Switch or Renew Mortgage Calculator (Canada): Renew with your lender or switch at renewal.
• Debt Consolidation Mortgage Refinance Calculator (Canada): Roll debts into a mortgage: payment relief against total cost.
• Refinance Break-Even Rate Calculator (Canada): The new rate a refinance needs to break even.
• Mortgage Renewal Payment Shock Calculator (Canada): Canadian mortgage renewal payment shock calculator.

Land transfer and property transfer taxes by province

• Alberta Land Transfer Fee Calculator 2026: Alberta land transfer fee calculator.
• BC Property Transfer Tax Calculator: BC property transfer tax calculator: general PTT bands, the extra 2% over $3 million, first-time buyer and newly built….
• Manitoba Land Transfer Tax Calculator 2026: Manitoba land transfer tax calculator: the marginal brackets to 2%, the land titles registration fees, and why no first-time….
• New Brunswick Transfer Tax Calculator: New Brunswick real property transfer tax calculator.
• Newfoundland Land Transfer Tax Calculator: Newfoundland and Labrador land transfer calculator.
• Nova Scotia Deed Transfer Tax Calculator: Nova Scotia deed transfer tax calculator with every municipality’s current rate and the 10% provincial tax that….
• Ontario & Toronto Land Transfer Tax: Ontario land transfer tax calculator with Toronto municipal LTT and first-time buyer rebates.
• Ontario Non-Resident Speculation Tax Calculator: Ontario Non-Resident Speculation Tax (NRST) calculator: the flat 25% of full consideration, the 4-year permanent resident….
• PEI Property Transfer Tax Calculator 2026: PEI real property transfer tax calculator: a flat 1%, the $30,000 low-cost exemption, and the first-time home buyer exemption….
• Quebec Transfer Duties Calculator (Welcome Tax): Quebec transfer duties calculator: the taxe de bienvenue.
• Saskatchewan Land Transfer Tax Calculator: Saskatchewan land transfer calculator.

Closing costs and mortgage insurance

• Ontario Closing Costs: Land transfer tax, Toronto tax and refunds.
• Nova Scotia Closing Costs: Deed transfer tax by municipality.
• Manitoba Closing Costs: Land transfer tax and Teranet fees.
• Saskatchewan Closing Costs: ISC title and mortgage fees.
• Closing Costs by Province: The same price in seven jurisdictions.
• Buyer vs Seller Closing Costs: Who pays what at closing.
• Legal Fees for Buying a House: Lawyer fee, tax and registration fees.
• Closing Costs Calculator Canada: Alberta, Ontario & More: Canadian closing costs calculator with a worked Alberta example: no land transfer tax, just Land Titles registration levies.
• CMHC Premium Calculator 2026: CMHC mortgage default insurance premium calculator.

Rental property investing

• Cash-on-Cash Return Calculator: Annual cash flow over cash invested for a rental property.
• NOI Calculator: Net operating income, EGI and expense ratio from rent and costs.
• Gross Rent Multiplier (GRM) Calculator: Price over annual rent, plus a value estimate from a comparable GRM.
• 1% Rule Calculator: Check monthly rent against 1% of price and find the maximum price.
• 50% Rule Calculator: Quick rental cash flow with expenses at half of rent.
• BRRRR Calculator: Cash left in the deal after the refinance, with cash flow and equity.
• Rental Break-Even Occupancy Calculator: Occupancy needed to cover costs and the mortgage, with your vacancy cushion.
• House Hacking Calculator: Net monthly housing cost after renting out rooms or units.
• Rental Property Reserves Calculator: Monthly vacancy, repair and capex set-aside from your own assumptions.
• Property Value from Cap Rate Calculator: Estimate value as NOI over cap rate, with a sensitivity range.

Home equity and buy-versus-rent decisions

• Available Home Equity Calculator: How Much Can I Borrow?: Estimate how much home equity you can borrow: value times your lender's max CLTV, minus existing liens.
• CLTV Calculator (Combined Loan-to-Value): CLTV calculator. Add up your first mortgage, second liens and HELOCs to see LTV, combined loan-to-value (CLTV) and….
• HELOC Calculator: Canadian HELOC calculator. Work out home equity line of credit payments with interest-only or principal-plus-interest options.
• Ontario Condo Reserve Fund Projector: Ontario condo reserve fund projector.
• Rent vs Buy Calculator: Compare renting versus buying a home in Canada.
• House Flipping Calculator: House flip profit, return and 70% rule maximum offer from purchase, rehab, holding, financing and selling costs.
• Rental Yield & Cap Rate Calculator: Rental property yield calculator. Work out gross yield, net yield and capitalization rate from purchase price, rent and….