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
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.
Morty's Toolbox
Everything you need to make confident mortgage decisions.
Ready to Tame Your Mortgage?
Accurate Canadian mortgage math, made simple. 100% free — no sign-up required.
Morty approves! You're one step closer to owning your dream home.