Free Mortgage Calculators
Run the numbers on any mortgage decision, payment, affordability, refinance, penalty and more. Fast, accurate estimates, then a real rate from a licensed advisor when you're ready.
Mortgage Payment Calculator
Calculate your monthly mortgage payment by rate, amortization and payment frequency. See principal vs. interest and your full schedule. Free.
Open calculator →Affordability Calculator
Find out how much home you can afford based on income, down payment and debts. Uses current Canadian lending rules and the stress test. Free.
Open calculator →Purchase Calculator
Estimate your down payment, mortgage default insurance and closing costs for a home purchase. Free, no obligation.
Open calculator →Renewal & Refinance Calculator
Compare renewing vs. refinancing your mortgage. See the payment impact of a new rate or pulling out equity. Free.
Open calculator →Amortization Calculator
See your full mortgage amortization schedule and how extra payments save interest. Free amortization calculator.
Open calculator →Mortgage Penalty Calculator
Estimate the penalty to break your mortgage, IRD or three months' interest, before you refinance or sell. Free.
Open calculator →Land Transfer Tax Calculator
Calculate provincial and municipal land transfer tax on your home purchase, including first-time buyer rebates. Free.
Open calculator →Mortgage Stress Test Calculator
Check if you pass the Canadian mortgage stress test. See the qualifying rate and the mortgage your income supports. Free.
Open calculator →Calculators You Can Trust
Free & No Signup
Use every tool as much as you like. No account, no email required to see your results.
Built on Real Lending Rules
Stress test, insurance and tax logic reflect current Canadian mortgage rules.
A Real Rate When You're Ready
Like your numbers? A licensed advisor compares 30+ lenders to make them real.
Frequently Asked Questions
Are these mortgage calculators free?
Yes, every calculator is completely free to use and requires no signup.
How accurate are the results?
They're solid estimates for planning. A licensed advisor confirms the exact numbers for your specific situation and lender.
Do you store my information?
You can use every calculator without submitting anything. If you choose to have results emailed, we only use that to help you.
Can you help me get the rate I calculated?
Yes. We compare 30+ lenders to find you a real rate, at no cost. Talk to a licensed advisor any time.
Ready to Act on Your Numbers?
These calculators are powered by Cannect Inc., a fully licensed Canadian mortgage brokerage and our official brokering partner, with over $7 billion funded and a 4.9-star Google rating. When you're ready to turn an estimate into a real rate, Cannect compares 30+ lenders for you, with transparent advice and no cost to compare.