Calculator suite

The math your file actually runs on.

Simple calculators that answer the questions every Canadian buyer asks before they sign anything. Free, instant, shareable.

Start here · Canada

Skip the math — get a pre-approval file built around your numbers.

These calculators show the shape of the deal. We package the file so lenders approve it on the first read, not the third.

Payment math

Semi-annual compounded payments, full amortization schedule, and extra-payment savings side-by-side.

Guided quiz

Seven questions, ninety seconds. Get your renewal risk tier and a tailored next-step short-list.

Rent vs buy

5-year net cost with closing, carrying, selling costs, and the renter's opportunity portfolio.

Renewal math

Estimate your renewal payment, the payment shock vs today, and the expected rate range.

Early payout

Step-by-step total cost to break early — penalty, discharge, legal, cashback, and rate-savings break-even.

Qualifying math

Qualify your file at the greater of contract rate + 2% or the OSFI 5.25% floor. See the gap.

Closing tax

Every province plus Toronto and Montreal municipal layers. First-time buyer rebates applied.

Default insurance

Premium tiers, amortization surcharge, and PST-on-premium for ON, QC, MB, SK.

Cash to close

LTT + legal + title + appraisal + PST on insurance + adjustments. Province-aware totals.

Breakage cost

IRD vs three-month interest, with the Big-Six posted-rate twist that surprises most borrowers.