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Canadian Mortgage and Real Estate Calculators
Free calculators built on Canada's published mortgage, insurance and tax-program rules. No sign-up, no lender referrals.
Mortgage calculators
Payments, schedules and how much you can borrow, using Canada's semi-annual compounding and the federal stress test.
- Mortgage calculatorPayment, stress test, minimum down payment, CMHC insurance and GDS/TDS in one place.
- Mortgage Payment Calculator (Canada)Calculate a Canadian mortgage payment with semi-annual compounding, for monthly, bi-weekly, weekly and accelerated schedules.
- Mortgage Amortization Schedule Calculator (Canada)Year-by-year Canadian mortgage amortization schedule showing principal, interest and balance, with semi-annual compounding.
- Mortgage Qualification Calculator (Stress Test, GDS, TDS)Check a home purchase against Canada's mortgage stress test, GDS/TDS limits, minimum down payment and insurance rules.
- Housing Budget Calculator: How Much House Can I Afford?Estimate the highest home price that meets Canada's stress test, minimum down payment and GDS/TDS guidelines.
- CMHC Mortgage Insurance CalculatorCalculate the CMHC mortgage default insurance premium and provincial sales tax for your purchase price and down payment.
- Mortgage Rate Sensitivity CalculatorSee how your mortgage payment changes if rates move up or down by 0.5 to 3 percentage points.
Renewing, prepaying and breaking a mortgage
What changes at renewal, what extra payments save, and the cost of leaving your term early.
- Mortgage Renewal CalculatorSee how your payment and interest change when you renew your mortgage at a different rate.
- Mortgage Prepayment CalculatorCalculate how much interest you save and how much sooner you're mortgage-free with extra payments or lump sums.
- Mortgage Prepayment Penalty Calculator (3 Months' Interest vs IRD)Estimate the penalty for breaking a closed fixed-rate mortgage in Canada using the two methods described by the Financial Consumer Agency of Canada.
- Blend-and-Extend Mortgage CalculatorEstimate your blended mortgage rate if you extend your term early with your current lender, using FCAC's method.
- Home Equity Calculator (HELOC)Calculate your home equity and the maximum revolving HELOC portion based on Canadian rules.
Buying a home: taxes, rebates and costs
Closing costs, land transfer tax and the federal and provincial programs for first-time buyers, from official rules.
- Down Payment Calculator (Canada)Find the minimum down payment for any home price in Canada and the CMHC insurance premium at different down payments.
- Closing Cost Calculator (Canada)Estimate the cash you need at closing beyond your down payment: legal fees, inspection, appraisal, land transfer tax and more.
- Land Transfer Tax Calculator (Canada)Calculate land transfer tax or title registration fees for Ontario, Toronto, B.C., Manitoba, New Brunswick, P.E.I., Newfoundland and Labrador, Alberta and Saskatchewan from official rates.
- First-Time Home Buyer Incentives Calculator (Canada)See the federal and provincial first-time buyer tax credits, rebates and savings programs that apply to your purchase, from official rules.
- GST/HST New Housing Rebate Calculator (incl. First-Time Buyer Rebate)Calculate the federal GST/HST new housing rebate and the first-time home buyers' rebate on a new home in Canada, from the Excise Tax Act.
- FHSA Calculator: First Home Savings AccountProject your First Home Savings Account balance with the $8,000 annual and $40,000 lifetime limits and carryforward.
- Home Buyers' Plan (HBP) CalculatorCalculate your HBP withdrawal limit and RRSP repayment schedule, including the temporary repayment deferral.
Renting
- Rent-to-Income CalculatorCheck what share of your income goes to rent against CMHC's 30% affordability standard, and the income needed for average rents by metro.
- Rent vs Buy Calculator (Canada)Compare the net worth of buying versus renting over time, using your own assumptions for prices, rents and returns.