Mortgage Calculator Canada
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Simple Steps To Download Mortgage Calculator Canada
Mortgage Calculator Canada helps you plan your home purchase with the tools Canadian buyers actually need — built for our rules, our taxes, and our lenders.
WHY THIS CALCULATOR
Built specifically for Canadian home buyers: CMHC insurance premiums, the OSFI B-20 stress test, provincial land transfer tax (including Toronto and Montreal municipal tax), and GDS/TDS affordability ratios lenders actually use to qualify you.
KEY FEATURES
Mortgage Payment Calculator
• Monthly, bi-weekly, and accelerated bi-weekly payment schedules
• Full amortization schedule with principal/interest breakdown
• See total interest paid over the life of your mortgage
CMHC Insurance Calculator
• Accurate premium calculation for down payments under 20%
• Know your true monthly payment including mortgage insurance
Mortgage Stress Test
• OSFI B-20 qualifying rate calculation
• See the rate you actually need to qualify at, not just your contract rate
Affordability Calculator
• GDS (Gross Debt Service) and TDS (Total Debt Service) ratios
• Know your maximum affordable home price before you shop
Land Transfer Tax Calculator
• All provinces and territories
• Toronto and Montreal municipal land transfer tax included
• First-time buyer rebates (Ontario, BC, Toronto)
Refinance & Renewal Tools
• Compare your current mortgage against refinancing options
• Renewal rate comparison to avoid overpaying at maturity
Mortgage Comparator
• Compare multiple rate/term scenarios side by side
• See which option saves you the most over time
Extra Payment / Prepayment Calculator
• See how lump-sum and extra payments shorten your amortization
• Calculate interest savings from accelerated payoff
SAVE & EXPORT
• Save your calculations and pick up where you left off
• Export a clean PDF summary to share with your mortgage broker or realtor
BILINGUAL
• Full English and French support — built for buyers across Canada
PRIVACY
• Your financial numbers stay on your device
• No account required to use the core calculators
This app is for informational purposes only and does not constitute financial advice. Consult a licensed mortgage professional for decisions specific to your situation
WHY THIS CALCULATOR
Built specifically for Canadian home buyers: CMHC insurance premiums, the OSFI B-20 stress test, provincial land transfer tax (including Toronto and Montreal municipal tax), and GDS/TDS affordability ratios lenders actually use to qualify you.
KEY FEATURES
Mortgage Payment Calculator
• Monthly, bi-weekly, and accelerated bi-weekly payment schedules
• Full amortization schedule with principal/interest breakdown
• See total interest paid over the life of your mortgage
CMHC Insurance Calculator
• Accurate premium calculation for down payments under 20%
• Know your true monthly payment including mortgage insurance
Mortgage Stress Test
• OSFI B-20 qualifying rate calculation
• See the rate you actually need to qualify at, not just your contract rate
Affordability Calculator
• GDS (Gross Debt Service) and TDS (Total Debt Service) ratios
• Know your maximum affordable home price before you shop
Land Transfer Tax Calculator
• All provinces and territories
• Toronto and Montreal municipal land transfer tax included
• First-time buyer rebates (Ontario, BC, Toronto)
Refinance & Renewal Tools
• Compare your current mortgage against refinancing options
• Renewal rate comparison to avoid overpaying at maturity
Mortgage Comparator
• Compare multiple rate/term scenarios side by side
• See which option saves you the most over time
Extra Payment / Prepayment Calculator
• See how lump-sum and extra payments shorten your amortization
• Calculate interest savings from accelerated payoff
SAVE & EXPORT
• Save your calculations and pick up where you left off
• Export a clean PDF summary to share with your mortgage broker or realtor
BILINGUAL
• Full English and French support — built for buyers across Canada
PRIVACY
• Your financial numbers stay on your device
• No account required to use the core calculators
This app is for informational purposes only and does not constitute financial advice. Consult a licensed mortgage professional for decisions specific to your situation
Mortgage calculator for Canada: CMHC, stress test, land transfer tax & payment
Updated on
Aug 18, 2026
Data safety
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Safety starts with understanding how developers collect and share your data. Data privacy and security practices may vary based on your use, region, and age. The developer provided this information and may update it over time.
- This app may share these data types with third partiesApp activity and App info and performance
- No data collectedabout how developers declare collection
- Data is encrypted in transit
- Data can’t be deleted
What’s new
• Fixed the BC First-Time Home Buyer land transfer tax rebate cap, plus 15 other data-accuracy and UX improvements
• Fixed onboarding showing English content on French-language devices
• Fixed the launch splash screen flashing incorrectly on some devices
• More reliable calculation history — no more inconsistent ordering
• Added an in-app update prompt so you're always notified of the latest version
• General stability and performance improvements
• Fixed onboarding showing English content on French-language devices
• Fixed the launch splash screen flashing incorrectly on some devices
• More reliable calculation history — no more inconsistent ordering
• Added an in-app update prompt so you're always notified of the latest version
• General stability and performance improvements
