Meet Morty. Tame Your Mortgage.

Canada's friendliest mortgage calculator. Accurate semi-annual compounding, real-time rates, stress tests, and everything you need — 100% free.

First-time buyer? Start here — Morty's guide covers everything from saving your down payment to getting the keys.

Bank-Level Accuracy

100% Free

50K+ Canadians

Updated Daily

Why Canadians Love Morty

Built specifically for the Canadian mortgage market — not a US calculator with a maple leaf slapped on.

Smart Calculations

Canadian semi-annual compounding, stress tests, and CMHC insurance — Morty handles the math so you don't have to.

Know What You Can Afford

See your real buying power with GDS/TDS ratios, provincial land transfer taxes, and closing cost estimates.

Compare & Save

Morty pulls current rates from major Canadian lenders so you can compare fixed vs. variable and find the best deal.

Everything you need to make confident mortgage decisions.

Payment breakdowns with Canadian compounding rules.

How much house can you actually afford?

Calculate your IRD or 3-months' interest break cost.

Land transfer tax & closing costs by province.

30-year projection comparing renting vs owning.

Everything you need to know — in plain Canadian English.

Real feedback from homebuyers and brokers across Canada.

“Morty made my first home purchase so much less scary. I finally understood what I could actually afford!”

Sarah M. — Toronto, ON

“I had no idea CMHC insurance would add that much to my mortgage. This tool broke it all down before I even talked to a bank.”

Marcus T. — Calgary, AB

“The closing cost calculator caught expenses I never would have thought of. Land transfer tax, legal fees, title insurance — it was all there.”

Priya K. — Vancouver, BC

Join 50,000+ Canadians who trust Morty to make mortgage math simple. No sign-up required.

Morty approves! You're one step closer to owning your dream home.