11 calculators · one engine

Canadian mortgage calculators

Every tool uses the same tested engine and the same official 2026 rules, so the numbers agree from one page to the next.

Canadian semi-annual compounding 2026 CMHC & OSFI rules Rules checked November 1, 2026 Private: runs in your browser

Payment, CMHC premium, total interest and schedule for any frequency.

Maximum price from your income, debts and down payment at the stress-test rate.

Minimum down payment, premium and total mortgage for any price.

Ontario, Toronto and B.C. with first-time buyer rebates.

Your qualifying rate and whether you pass GDS/TDS.

Compare all six payment frequencies and the interest each saves.

Your new payment at renewal and how much each 0.25% matters.

Interest and years saved by extra payments and annual lump sums.

Estimate three months’ interest and IRD before you break your mortgage.

All the cash you need on closing day, not just the down payment.

Year-by-year principal, interest and balance with CSV download.

By province

The full calculator, preset with local taxes and typical prices.

Land transfer tax and 8% sales tax on the CMHC premium.

Double land transfer tax with the April 2026 MLTT rates.

Property transfer tax and the first-time buyer exemption.

No land transfer tax: just registration fees.

Welcome tax, 9% premium tax and notary fees.