Canadian Home & Mortgage Calculators

Monthly payment with proper Canadian semi-annual compounding and CMHC auto-detection.

Your default insurance premium, provincial PST, and monthly payment impact.

How much home you can afford under the OSFI B-20 stress test with GDS/TDS limits.

LTT for all provinces — Ontario, BC, Quebec, Toronto municipal, first-time buyer rebates.

Project your First Home Savings Account balance, tax deductions, and compound growth.

Calculate your HBP withdrawal (up to $35K) and 15-year repayment schedule. Combine with FHSA.

Every closing cost broken down — LTT, legal fees, title insurance, CMHC PST — by province.

Canadian version with LTT, CMHC, semi-annual compounding, and opportunity cost of down payment.

IRD vs 3-month interest — know your penalty before breaking your mortgage.

Kitchen, bathroom, basement costs in CAD by city — Toronto, Calgary, Vancouver and more.

Compare staying with your lender vs switching. No stress test required if you stay (post-2024).

Save 3–4 years off your mortgage with accelerated bi-weekly payments. Canadian compounding.

Cap rate, cash flow, and cash-on-cash return for Canadian investment properties.

Compare property tax rates across 16 Canadian cities — Vancouver to Winnipeg.

How much home equity credit can you access? 65% standalone / 80% combined LTV.

Full monthly schedule — principal, interest, balance — with Canadian semi-annual compounding.

How long to save 5%, 10%, or 20% down — with FHSA tax boost included.

Federal rebate up to $6,300 + Ontario rebate up to $24,000 on newly built homes.

Investment property sale: 50% inclusion rate, ACB, principal residence exemption.

Year-by-year equity from payments + appreciation. See when you're HELOC-ready.

Compare monthly costs and equity growth: condo (with fee) vs detached house side by side.

Extra payments save tens of thousands. See your exact savings and payoff date.

Buying before you sell? Calculate daily interest and total bridge financing cost.

Deposit schedule, occupancy fees, and cash needed at closing for new condo buyers.

Estimate your annual premium by province and home type before getting quotes.

See how condo fees reduce your mortgage qualification — GDS/TDS impact explained.

Every dollar you need: down payment, LTT rebates, FHSA savings, and closing costs.

Cap rate, monthly cash flow, and 10-year return for Canadian rental properties.

Enter two rates — see exact interest saved, monthly payment difference, and renewal balance.