CALCULATORS · CANADA
Mortgage Calculators for Canadians
Every calculator I use with real clients — free, no signup, honest math. Pick the one that matches the question you're trying to answer.
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10 chapters. DPAP, the 2% Pilot, CMHC, closing costs — plain English.
Mortgage Payment Calculator
Estimate your monthly mortgage payment with today's rates, amortization, and CMHC insurance.
Open calculatorHome Buying Cost Calculator
Total closing costs: land transfer tax, legal fees, inspection, deed transfer — the full bill.
Open calculatorCost of Owning a Home
Beyond the mortgage — property tax, insurance, maintenance, utilities, condo fees.
Open calculatorBuy Now or Wait
See exactly how much further ahead or behind you'd be if you waited X years to buy.
Open calculatorInvestment Property Calculator
Cash flow, cap rate, cash-on-cash return — is that rental actually a good deal?
Open calculatorRent vs Buy (10-Year)
Compare renting and investing the difference vs buying over 10 years of wealth.
Open calculatorNova Scotia 2% Down Pilot
First-time buyer pilot — 2–4% down, no CMHC, through participating credit unions.
Open calculatorNova Scotia DPAP Eligibility
Check if you qualify for the Nova Scotia Down Payment Assistance Program.
Open calculatorDebt Consolidation Calculator
Roll high-interest debt into your mortgage. See your new monthly payment and interest saved.
Open calculatorInvest vs Pay Down Mortgage
Extra cash each month — pay down the mortgage faster or invest it? Run both.
Open calculatorPrepayment Savings Calculator
See how much sooner your mortgage is paid off if you make extra payments.
Open calculatorIRD (Penalty) Calculator
Estimate your mortgage break penalty (IRD) at TD, RBC, Scotia, BMO, CIBC, or National Bank.
Open calculatorRealtor Pre-Approval Calculator
Built for agents — quickly show buyers what they qualify for at today's rates.
Open calculatorHome Value Tracker (Ownwell)
Free home-value tracking, equity monitoring, and refinance alerts via our partner Ownwell.
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FAQ
Which calculator should I use?
Still not sure? Skip the math and talk to Rahul — he'll run the real numbers for free.