Free Canadian Mortgage Calculators

Built specifically for Canada — with accurate semi-annual compounding, the federal stress test, CMHC insurance rules, and province-specific land transfer taxes.

Mortgage Payment Calculator

Most Popular

Calculate your monthly, bi-weekly, or weekly mortgage payment using accurate Canadian semi-annual compounding. Includes a full amortization schedule.

Mortgage Affordability Calculator

Find your maximum purchase price based on income, debts, and down payment. Applies the Canadian stress test (contract rate + 2% or 5.25%).

CMHC Mortgage Insurance Calculator

Calculate your CMHC insurance premium if your down payment is less than 20%. Updated for the 2024 increase to $1.5M maximum insurable price.

Land Transfer Tax Calculator

Province-Specific

Province-by-province land transfer tax calculator for all Canadian provinces. Includes Toronto's additional municipal land transfer tax and first-time buyer rebates.

Disclaimer: These calculators provide estimates for informational purposes only and do not constitute financial advice. Actual mortgage payments and qualification may vary. For numbers you can act on, speak with Sudhir Patel directly — it's free and there's no obligation.

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