Financial Tools & Calculators
Explore our complete suite of tools designed to help you make smarter financial decisions.
Core Mortgage Planning
Mortgage Payment Calculator
Estimate your mortgage payments based on loan amount, interest rate, and amortization period.
Go to ToolMortgage Affordability Calculator
Determine the maximum home price you can likely afford based on your income and debts.
Go to ToolAmortization Schedule
View a detailed, payment-by-payment breakdown of your mortgage over its entire life.
Go to ToolMortgage Prepayment Calculator
Discover how much interest and time you can save by making extra payments on your mortgage.
Go to ToolDown Payment & CMHC Calculator
Calculate your minimum down payment and estimate the required mortgage insurance premium (CMHC).
Go to ToolLump-Sum vs. Extra Payment
Decide whether making a yearly lump-sum or smaller periodic extra payments is the better strategy for you.
Go to ToolPrepayment Penalty Estimator
Estimate the potential penalty you might face for breaking your mortgage contract early.
Go to ToolLoan Affordability Calculator
Estimate how much you can comfortably borrow based on income, expenses, and debts.
Go to ToolLoan Payment Calculator
Calculate payments, interest and payoff time for a fixed-term loan.
Go to ToolHELOC / LOC Payment Calculator
Estimate payments for a line of credit or HELOC based on different utilization scenarios.
Go to ToolMinimum Payment Calculator
See how long it will take to pay off your balance if you only make minimum payments.
Go to ToolAdvanced Scenarios & Strategy
Bi-Weekly vs. Monthly Savings
Compare different payment frequencies to see how you can pay off your mortgage faster and save on interest.
Go to ToolMortgage vs. Investment
Analyze the financial opportunity cost of prepaying your mortgage versus investing your extra cash.
Go to ToolRent vs. Buy Calculator
Compare the long-term financial outcomes of renting a home versus buying one.
Go to ToolRate Sensitivity Calculator
See how your mortgage payments could change if interest rates were to rise or fall in the future.
Go to ToolMortgage Comparison Tool
Compare two different mortgage loan scenarios side-by-side to find the best financial option.
Go to ToolRefinance & Renewals
HELOC Calculator
Calculate payments and interest for a Home Equity Line of Credit based on different scenarios.
Go to ToolMortgage Renewal Calculator
Prepare for your upcoming mortgage renewal by comparing potential new rates and terms.
Go to ToolRefinance Savings Calculator
Find out if you can save money by refinancing your current mortgage to a new rate or term.
Go to ToolRefinance Break-Even Calculator
Determine how long it will take to recover the costs of refinancing with your monthly savings.
Go to ToolHome Buying Costs & Qualification
Closing Costs Calculator
Estimate your total closing costs, including land transfer taxes, legal fees, and other expenses.
Go to ToolGDS & TDS Ratio Calculator
Calculate your Gross and Total Debt Service ratios to see if you meet lender qualifications.
Go to ToolProperty Tax Estimator
Get a rough estimate of your annual property taxes based on your home's value and location.
Go to ToolMax Qualification Calculator
Estimate the maximum mortgage you can afford based on income, debts, and lender rules.
Go to ToolLand Transfer Tax Calculator
Calculate the land transfer tax for any province, including first-time buyer rebates.
Go to ToolLife Insurance Calculator
Estimate how much life insurance coverage your family may need.
Go to ToolMortgage Default Insurance Premium Calculator
Estimate mortgage default insurance premiums based on price and down payment.
Go to ToolOther Financial Tools
Mortgage Payoff Calculator
Find out exactly how quickly you can become mortgage-free by making additional payments.
Go to ToolReverse Mortgage Calculator
Estimate the amount of equity you can access from your home with a reverse mortgage.
Go to ToolMortgage Stress Test Calculator
Check if your finances can pass Canada's mandatory mortgage stress test for qualification.
Go to ToolDebt Consolidation Calculator
Compare your current debts against a consolidation loan to see potential savings.
Go to ToolCredit Card Interest Calculator
See how much interest you’ll pay over time based on your balance and rate.
Go to ToolBalance Transfer Savings Calculator
Estimate how much you can save by moving your balance to a lower-rate card.
Go to ToolAnnual Fee Break-Even Calculator
Find out if the rewards you earn are enough to justify a card’s annual fee.
Go to ToolCredit Card Rewards Calculator
Estimate how much cash back or points you can earn from your spending.
Go to ToolDebt Payoff Calculator
Model different strategies to become debt-free faster, like snowball or avalanche.
Go to ToolGIC Calculator
Estimate your guaranteed return from GICs across different terms and rates.
Go to ToolSavings Goal Calculator
Plan contributions to reach a target savings amount by a chosen date.
Go to ToolTFSA Contribution Room Calculator
Estimate your available TFSA room based on age and carry-forward rules.
Go to ToolRDSP Calculator
Estimate government matches and growth in a Registered Disability Savings Plan.
Go to ToolMutual Fund Growth Calculator
Estimate long-term growth of mutual fund investments with fees and contributions.
Go to ToolRRSP vs TFSA Tax-Smart Savings Calculator
Compare long-term after-tax outcomes of contributing to RRSP vs TFSA.
Go to ToolFHSA vs. RRSP (HBP) Calculator
Compare the FHSA to using the RRSP Home Buyers’ Plan for your down payment.
Go to ToolBudget Planner
Build a monthly budget and see how much you can allocate toward your goals.
Go to Tool