Free mortgage calculators
Quick calculators for buying, renewing, refinancing and investing. No sign-up.
Refinance
You're thinking of breaking your mortgageWhether breaking early actually pays off once the penalty is counted, and how long it takes to come out ahead.
Open the calculatorMortgage payment
You're buying or renewingYour payment at any frequency, CMHC insurance if you're under 20% down, and what prepayments save you.
Open the calculatorHow much can I borrow?
You're getting ready to buyA realistic maximum purchase price from your income and debts, using the same stress test lenders use.
Open the calculatorHome equity
You want to know what you could borrowHow much equity you have, how much of it you could borrow, and how much could be a line of credit.
Open the calculatorRental property
You're looking at a rentalCash flow, cap rate and return on your cash for a property you're considering, before you make an offer.
Open the calculatorBasement suite
You're buying with a suite or adding oneHow fast the suite's rent could pay off your mortgage, how much it takes off your monthly costs, and the Saskatchewan suite rebate.
Open the calculatorCommercial mortgage
You're buying multi-family or commercialHow much an income property can borrow based on what it earns, using debt coverage and loan-to-value.
Open the calculatorNumbers are the start, not the plan.
A calculator shows what's possible. The plan is which lender, which mortgage and how it's set up so it actually works for you. That's the part Mitch does.