Mortgage calculators

Run your numbers before you talk to anyone.

Free Canadian mortgage calculators for buyers, owners and investors. Use them to see what you can afford, what a refinance could save, and what a rental really earns. Then ask us to check the result against real lender rules.

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Find the right tool

Buying a home

Work out what you can afford and what it will really cost.

Calculator

Mortgage Payment

Your payment for any price, down payment, rate and amortization, using Canadian semi-annual compounding. Open the calculator Calculator

Affordability

How much home your income and debts can support. Open the calculator Calculator

Mortgage Qualification

Estimate the debt ratios lenders use to decide whether you qualify. Open the calculator Calculator

Down Payment

The minimum down payment for your price, and what a bigger one saves. Open the calculator Calculator

Closing Costs

Legal fees, taxes and adjustments to budget for on closing day. Open the calculator Calculator

Land Transfer Tax

Provincial and municipal land transfer tax, with first-time buyer rebates. Open the calculator Calculator

CMHC Insurance

The mortgage default insurance premium when you put down less than 20%. Open the calculator Calculator

Rent vs Buy

Compare the long-run cost of renting with owning. Open the calculator

Owning, renewing & refinancing

See what a different rate, term or amortization does to your payment.

Calculator

Refinance Savings

What a new rate or term could save you, after penalties and fees. Open the calculator Calculator

Amortization Schedule

See each payment split into interest and principal, and the effect of extra payments. Open the calculator

Rental & investment properties

Check the numbers on a rental before you commit.

Calculator

Rental ROI

Cash flow, cap rate and return on a rental property. Open the calculator Calculator

BRRRR

Buy, renovate, rent, refinance, repeat: how much cash stays in the deal. Open the calculator
Free, no obligation

Get your own plan from Top Mortgages Inc

Calculators give estimates. Start your secure online application and a licensed mortgage professional will review it and follow up with your real options.

Calculator results are estimates for general information, not mortgage, legal or tax advice. Rates, lender rules and fees change, and every application is reviewed on its own facts.