Mortgage Payment Calculator
Estimate your mortgage payments based on loan amount, interest rate, and amortization period.
Free Canadian financial tools
Financial Tools & Calculators
Explore 49 calculators designed to help you understand mortgages, credit cards, loans, savings, investing, insurance and everyday financial decisions.
Showing all 49 tools
Mortgage & Home Buying Calculators
25 toolsEstimate payments, affordability, closing costs, qualification, refinancing and other home-financing scenarios.
Mortgage Affordability Calculator
Determine the maximum home price you can likely afford based on your income and debts.
Amortization Schedule
View a detailed, payment-by-payment breakdown of your mortgage over its entire life.
Mortgage Prepayment Calculator
Discover how much interest and time you can save by making extra payments on your mortgage.
Down Payment & CMHC Calculator
Calculate your minimum down payment and estimate the required mortgage insurance premium (CMHC).
Closing Costs Calculator
Estimate your total closing costs, including land transfer taxes, legal fees, and other expenses.
Mortgage Default Insurance Premium Calculator
Estimate mortgage default insurance premiums based on price and down payment.
Bi-Weekly vs. Monthly Savings
Compare different payment frequencies to see how you can pay off your mortgage faster and save on interest.
Lump-Sum vs. Extra Payment
Decide whether making a yearly lump-sum or smaller periodic extra payments is the better strategy for you.
Mortgage vs. Investment
Analyze the financial opportunity cost of prepaying your mortgage versus investing your extra cash.
Rent vs. Buy Calculator
Compare the long-term financial outcomes of renting a home versus buying one.
Rate Sensitivity Calculator
See how your mortgage payments could change if interest rates were to rise or fall in the future.
Mortgage Comparison Tool
Compare two different mortgage loan scenarios side-by-side to find the best financial option.
Mortgage Payoff Calculator
Find out exactly how quickly you can become mortgage-free by making additional payments.
Mortgage Renewal Calculator
Prepare for your upcoming mortgage renewal by comparing potential new rates and terms.
Refinance Savings Calculator
Find out if you can save money by refinancing your current mortgage to a new rate or term.
Prepayment Penalty Estimator
Estimate the potential penalty you might face for breaking your mortgage contract early.
HELOC Calculator
Calculate payments and interest for a Home Equity Line of Credit based on different scenarios.
GDS & TDS Ratio Calculator
Calculate your Gross and Total Debt Service ratios to see if you meet lender qualifications.
Reverse Mortgage Calculator
Estimate the amount of equity you can access from your home with a reverse mortgage.
Mortgage Stress Test Calculator
Check if your finances can pass Canada's mandatory mortgage stress test for qualification.
Refinance Break-Even Calculator
Determine how long it will take to recover the costs of refinancing with your monthly savings.
Property Tax Estimator
Get a rough estimate of your annual property taxes based on your home's value and location.
Max Qualification Calculator
Estimate the maximum mortgage you can afford based on income, debts, and lender rules.
Land Transfer Tax Calculator
Calculate the land transfer tax for any province, including first-time buyer rebates.
Credit Card Calculators
6 toolsCompare rewards, interest costs, annual fees, balance transfers and credit card repayment strategies.
Credit Card Interest Calculator
See how much interest you’ll pay over time based on your balance and rate.
Balance Transfer Savings Calculator
Estimate how much you can save by moving your balance to a lower-rate card.
Annual Fee Break-Even Calculator
Find out if the rewards you earn are enough to justify a card’s annual fee.
Minimum Payment Calculator
See how long it will take to pay off your balance if you only make minimum payments.
Credit Card Rewards Calculator
Estimate how much cash back or points you can earn from your spending.
Cash Back vs. Travel Rewards Calculator
Compare the estimated value of cash back and travel rewards based on your spending.
Loan & Debt Calculators
6 toolsEstimate borrowing costs, loan payments, debt consolidation results and strategies for becoming debt-free.
Debt Consolidation Calculator
Compare your current debts against a consolidation loan to see potential savings.
Loan Affordability Calculator
Estimate how much you can comfortably borrow based on income, expenses, and debts.
Loan Payment Calculator
Calculate payments, interest and payoff time for a fixed-term loan.
HELOC / LOC Payment Calculator
Estimate payments for a line of credit or HELOC based on different utilization scenarios.
Auto Loan Calculator
Estimate your car payment, total interest, and payoff schedule.
Debt Payoff Calculator
Model different strategies to become debt-free faster, like snowball or avalanche.
Savings & Banking Calculators
3 toolsPlan savings goals and estimate how deposits, interest and guaranteed investments can grow over time.
Compound Interest Calculator
See how your money grows over time with compound interest.
GIC Calculator
Estimate your guaranteed return from GICs across different terms and rates.
Savings Goal Calculator
Plan contributions to reach a target savings amount by a chosen date.
Investing & Registered Account Calculators
7 toolsExplore TFSA, RRSP, FHSA, RESP, RDSP and investment-growth scenarios for your financial goals.
TFSA Calculator
Project the growth of your TFSA contributions over time.
TFSA Contribution Room Calculator
Estimate your available TFSA room based on age and carry-forward rules.
RDSP Calculator
Estimate government matches and growth in a Registered Disability Savings Plan.
RESP Calculator
Model education savings with the CESG and investment growth.
Mutual Fund Growth Calculator
Estimate long-term growth of mutual fund investments with fees and contributions.
RRSP vs TFSA Tax-Smart Savings Calculator
Compare long-term after-tax outcomes of contributing to RRSP vs TFSA.
FHSA vs. RRSP (HBP) Calculator
Compare the FHSA to using the RRSP Home Buyers’ Plan for your down payment.
Insurance & Protection Calculators
1 toolEstimate the financial protection your household may need and explore important coverage considerations.
Life Insurance Calculator
Estimate how much life insurance coverage your family may need.
Budgeting & Financial Planning Tools
1 toolOrganize your monthly finances and build a practical plan for spending, saving and reaching your goals.
Budget Planner
Build a monthly budget and see how much you can allocate toward your goals.
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