7 free calculators covering every step of the Canadian home buying and ownership journey.
Mortgage Calculator
Calculate your Canadian mortgage payment with correct semi-annual compounding. See your full amortization schedule and total interest paid over the life of your mortgage.
Open Calculator →Mortgage Stress Test
Find out if you pass Canada's mortgage stress test and the maximum home price you can qualify for. Uses OSFI's qualifying rate rules — updated for 2026.
Open Calculator →CMHC Insurance Calculator
Calculate your CMHC mortgage insurance premium when your down payment is under 20%. See the premium rate, total cost, and how it's added to your mortgage.
Open Calculator →Land Transfer Tax Calculator
Calculate land transfer tax for all Canadian provinces. Includes Ontario and BC brackets, Quebec welcome tax, and first-time buyer rebates where applicable.
Open Calculator →Home Affordability Calculator
Find out the maximum home you can afford in Canada using GDS/TDS ratios, the stress test, and CMHC rules. Includes condo fees, heating costs, and all lender requirements.
Open Calculator →Mortgage Penalty Calculator
Calculate the cost to break your mortgage early — including IRD vs. 3-month interest, Big Bank vs. monoline methods, and a full refinance break-even analysis.
Open Calculator →Rent vs. Buy Calculator
Canada's most honest rent vs. buy comparison — including land transfer tax, CMHC, opportunity cost of your down payment, break-even year, and true net worth impact over time.
Open Calculator →Rental Property Calculator
Calculate cash flow, cap rate, ROI, and true return on your Canadian rental property — including mortgage costs, vacancy rate, management fees, maintenance, and year-by-year appreciation projections.
Open Calculator →Mortgage Refinance Calculator
Find out if refinancing your Canadian mortgage makes financial sense — including break-even analysis, penalty costs, interest savings, cash-out refinance options, and a cumulative savings table.
Open Calculator →First-Time Home Buyer Calculator
Calculate every government benefit available to Canadian first-time buyers — land transfer tax rebates, FHSA savings, Home Buyers' Plan, and the First-Time Home Buyers' Tax Credit. All provinces covered.
Open Calculator →RRSP Home Buyers' Plan Calculator
Calculate your HBP withdrawal, 15-year repayment schedule, the tax cost of missing payments, and how your RRSP recovers over time. Couples can combine up to $120,000 tax-free.
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