Mortgage Calculators
Two shelves. Standard tools every borrower wants before a conversation, and a deeper set for investors, refinancers running tax strategies, and homeowners considering a build. Built for Canadian rules (semi-annual compounding, B-20 stress test, Ontario Land Transfer Tax). Run the numbers, then bring them to a strategy call.
All calculators are for educational illustration only and do not constitute financial advice. Results depend on individual circumstances. Full disclaimer.
Standard Calculators
The math any borrower wants: payment, affordability, closing costs, debt consolidation, refinance, rent vs buy, renewal.
Mortgage Payment Calculator
Estimate your monthly, bi-weekly, or accelerated payment on any mortgage balance, rate, and amortization. Canadian semi-annual compounding built in.
Affordability Calculator
Run the math that lenders run. What income, debt, and down payment combine to qualify you for, including the federal stress test (B-20).
Closing Costs Calculator
Land Transfer Tax (Ontario), legal fees, title insurance, adjustments, and lender fees, all summed for your purchase. Includes first-time buyer rebate where eligible.
Debt Consolidation Calculator
Roll high-interest consumer debt into the mortgage at a much lower blended rate. See the monthly cash flow shift and the total interest saved.
Refinance Calculator
Compare your current mortgage to a refinance scenario, including penalties (3-month interest or IRD), legal fees, and the break-even month.
Rent vs Buy Calculator
Compare ten years of renting to ten years of owning, with full carrying-cost reality (taxes, insurance, maintenance) and the equity build on the buy side.
Renewal Decision Engine
At renewal, compare five paths side by side: sign as-is, switch lenders, refi to readvanceable, consolidate consumer debt, or extend amortization. Wealth impact over your next term, with closing costs honestly priced in.
Rental Property Cash Flow
Analyze any rental property: monthly and annual cash flow, cap rate, cash-on-cash return, DSCR, and break-even rent, all in one place.
Advanced Strategy Calculators
If you're just shopping a mortgage, you can skip this section. These are tools for investors, refinancers running tax strategies, and homeowners considering a build or an ADU. Start with Strategy Triage if you're not sure which one applies.
Strategy Triage
Which Canadian mortgage-deductibility strategy fits your file? Diagnostic + ranked output across Investment Leverage, Cash Damming, Debt Swap, and Cash-Out Refinance, with rough 10-year impact for each.
Investment Leverage Calculator
Model how a readvanceable mortgage can convert non-deductible interest into tax-deductible investment debt, and track the net worth impact over time.
Rental Cash Damming
See how routing rental income through your personal mortgage may accelerate paydown and convert personal mortgage interest into deductible rental expense interest.
Garden Suite Build vs Status Quo
Should you refinance and build a garden suite, or stay put? Models the full economics: refi, build cost, suite rental income, cash damming, and 10-year net wealth comparison. Bill 23 / ADU calculator for Ontario.
Want the deeper strategy walk-throughs?
The calculators above run the math. The strategy explainers cover when each one applies, the order of operations, and the rules. Read first if you're new to a strategy.
See all 10 strategies →