Canadian mortgage calculators that use real Canadian rules.
A $400,000 mortgage at an illustrative 4.29% rate (an example, not a quote) over 25 years is $2,167.43 a month with Canadian semi-annual compounding. Check the mortgage stress test, CMHC insurance and land transfer tax by province. Free, private, no account.
First-time buyer? Start with the guide.
- Free
- Runs in your browser
- Methodology published
- Rules verified: 2026-07-13
Start with your situation
I'm buying
Payment, how much you can afford, and cash to close.
I'm renewing
Shop the renewal; some straight switches may skip the stress test, depending on the lender and the mortgage.
I might break my mortgage
IRD vs three months' interest before you call the bank.
I'm a first-time buyer
Down payment rules, FHSA, CMHC, and the buying process.
The suite
One engine, Canadian compounding. Pick the tool that matches the question.
Payment calculator
Semi-annual compounding, CMHC, amortization.
Affordability
Maximum price from income using GDS/TDS.
Stress test
Qualifying rate: the greater of contract + 2% or 5.25%.
CMHC insurance
Premium by down-payment band.
Closing costs / LTT
Land transfer tax and fees by province.
Prepayment penalty
IRD vs three months' interest.
Rent vs buy
30-year net worth projection.
Mortgage matcher
Fixed vs variable, term, open or closed.
By income
How much house on $80k–$150k in Canada.
Renewal shock
2021 1.99% vs today’s payment.
Why this isn't a U.S. calculator
- Fixed-rate interest is normally compounded semi-annually in Canada — not monthly.
- The mortgage stress test qualifies you at the greater of contract + 2% or 5.25%.
- CMHC premiums and provincial land transfer tax use the 2026 tables on our methodology page.