Mortgage and home buying calculators for Canada
Repayments, deposits and what buying a home really costs.
- 12 free calculators
- Updated for 2026
- Official figures, no sign-up
Calculators
- Mortgage Your payment with CMHC insurance, any payment frequency and the minimum down payment.
- Mortgage Affordability How much home you can afford, with the stress test, GDS and TDS limits.
- Land Transfer Tax The land transfer tax on a home in any province, with first-time buyer rebates.
- Mortgage Stress Test Your qualifying rate, and whether you pass the stress test on your income.
- CMHC Insurance Your mortgage default insurance premium, and the sales tax due at closing.
- HELOC How much you could borrow against your home, and what it would cost each month.
- Mortgage Prepayment How much sooner prepayments pay off your mortgage, and the interest saved.
- Rent vs Buy Is it cheaper to rent or buy? Compare what you’d have after you sell.
- Rent Affordability How much rent fits your income, and what it costs to move in.
- Mortgage Switch & Refinance Is switching lenders worth it after penalties and fees? See what you’d save.
- Closing Costs The cash you need to close on a home: land transfer tax, legal fees and more.
- Rental Property A rental’s cash flow, yield and return on the cash you put in.
Guides
All Canada guides- Buying a home The FHSA explained: First Home Savings Account How the First Home Savings Account works, the $8,000 yearly and $40,000 lifetime limits, who can open one, and how to use it with the Home Buyers' Plan. Read the guide
- Buying a home Land transfer tax in Canada, province by province How much land transfer tax you'll pay in each province, Toronto's and Montreal's extra city tax, first-time buyer rebates, and when it's due. Read the guide
- Buying a home CMHC mortgage insurance explained When you need mortgage default insurance in Canada, how much CMHC insurance costs at each down payment, the 30-year surcharge and the $1.5 million cap. Read the guide
- Buying a home The mortgage stress test explained How Canada's mortgage stress test works, the rate you must qualify at, how much it changes what you can borrow, and who has to pass it. Read the guide
- Buying a home First-time home buyer guide: down payment, FHSA and rebates Buying a first home in Canada: the down payment, FHSA and Home Buyers’ Plan, CMHC insurance, the stress test, first-time buyer rebates and closing costs. Read the guide
- Money basics Inflation and interest rates in Canada, explained What inflation is, why the Bank of Canada raises and cuts its policy rate, and what it means for your savings, debts and mortgage renewal. Read the guide