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The Mortgage Beast

Canadian mortgage calculators that use real Canadian rules.

Semi-annual compounding, OSFI stress test, CMHC insurance, and land transfer tax by province. Free, private, no account.

Calculate my paymentHow much can I afford?

First-time buyer? Start with the guide.

Monthly payment

$2,167.43/mo

See full breakdown

Canadian semi-annual compounding. How we calculate.

Start with your situation

I'm buying

Payment, how much you can afford, and cash to close.

I'm renewing

Shop the renewal. Straight switches often skip the stress test.

I might break my mortgage

IRD vs three months' interest before you call the bank.

I'm a first-time buyer

Down payment rules, FHSA, CMHC, and the buying process.

The suite

One engine, Canadian compounding. Pick the tool that matches the question.

Payment calculator

Semi-annual compounding, CMHC, amortization.

Affordability

Maximum price from income using GDS/TDS.

Stress test

Qualify at contract + 2% or 5.25%.

CMHC insurance

Premium by down-payment band.

Closing costs / LTT

Land transfer tax and fees by province.

Prepayment penalty

IRD vs three months' interest.

Rent vs buy

30-year net worth projection.

Mortgage matcher

Fixed vs variable, term, open or closed.

Why this isn't a U.S. calculator

  • Fixed-rate interest compounds semi-annually under the Interest Act — not monthly.
  • The OSFI stress test qualifies you at the higher of contract + 2% or 5.25%.
  • CMHC premiums and provincial land transfer tax use the 2026 tables on our methodology page.

Guides

First-time buyer guide

From down payment to keys, in Canadian rules.

FHSA & Home Buyers' Plan

How to stack the two down-payment programs.

The 120-day renewal rule

When to start shopping so you are not stuck with the letter.

Latest

When the numbers look right

Talk to a licensed broker. We may earn a fee if you do later — the calculator does not change. How we're paid.

Open the calculatorHow we're paid