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1915 Foxtail Terrace, Kelowna BC V1P 1T9
BCFSA Brokerage License X301089
(778) 557-2144
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Copyright 2026 - All rights reserved. Paragon Pragmatic Lending.
Information is general and not legal, tax, or investment advice. Strategies like the Smith Manoeuvre (Maneuver) and cash or rental damming involve risk. Consult a qualified tax professional.
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Mortgage calculators

Calculators

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25 calculators
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Recommended to start

Shortcuts to the most used calculators.

6 picks
PaymentsPopular
Payment Estimator

See mortgage payment by rate, term, amortization and frequency.

PurchasePopular
Affordability (Max Purchase)

GDS/TDS-driven max price, stress-tested.

Gov & TaxesPopular
Property Transfer Duties (Canada)

Province/municipality land transfer taxes + first-time rebates.

RefinancePopular
Refinance Analyzer

Payment change, savings, penalty, and breakeven timeline.

QualificationPopular
Stress Test Qualifier

OSFI MQR or contract+buffer; insured/uninsured forks.

PurchasePopular
Minimum Down Payment

Tiered rules, >$1M uninsured handling; interacts with premium.

All calculators

25 results

Purchase

Everything for buying a home and budgeting cash to close.

4
PurchasePopular

Affordability (Max Purchase)

GDS/TDS-driven max price, stress-tested.

Also covers: Qualification

Purchase

Closing Costs

Line-item legal, title, appraisal, tax adjustments by province.

PurchasePopular

Minimum Down Payment

Tiered rules, >$1M uninsured handling; interacts with premium.

Also covers: Qualification

PurchasePopular

Cash Needed to Close

DP, PTT, premiums, taxes and adjustments waterfall.

Qualification

Stress test, max purchase and debt ratio tooling.

3
Qualification

Income Qualifier

Max qualifying amount from income & debts.

Qualification

Debt Service (GDS/TDS)

Full ratio breakdown with policy toggles.

QualificationPopular

Stress Test Qualifier

OSFI MQR or contract+buffer; insured/uninsured forks.

Also covers: Renewal, Purchase

Payments

Model amortization, trigger points and prepayments.

6
PaymentsPopular

Payment Estimator

See mortgage payment by rate, term, amortization and frequency.

Also covers: Purchase, Renewal

Payments

Amortization

Balance, interest vs principal, exportable schedule.

Also covers: Renewal

Payments

Amortization Compare

Side-by-side amortization scenarios with charts.

Also covers: Rates

Payments

Prepayment Impact

One-time and recurring prepayments—interest saved and years shaved.

Also covers: Renewal

Payments

Prepayment Penalty Estimator

3-month interest vs IRD with posted/discounted logic.

Payments

Trigger Rate & Point

VRM survivability and negative amortization guard.

Rates

Rate comparisons and forward-looking scenarios.

2
Rates

Fixed vs Variable

Sensitivity bands and expected prime path.

Rates

Rate Comparison (True Cost)

Show nominal vs true cost, audit cashback promos, and surface the PV discount math.

Also covers: Purchase, Renewal

Gov & Taxes

Land transfer duties, insurer premiums and rebates.

3
Gov & Taxes

Insurer Premium

CMHC/Sagen/CG premiums, capitalization, PST where applicable.

Also covers: Purchase

Gov & TaxesPopular

Property Transfer Duties (Canada)

Province/municipality land transfer taxes + first-time rebates.

Also covers: Purchase

Gov & Taxes

BC Property Transfer Tax

BC PTT + overlays (e.g., luxury brackets), FTHB flags.

Also covers: Purchase

Refinance

Analyze blends, savings and breakeven timelines.

2
RefinancePopular

Refinance Analyzer

Payment change, savings, penalty, and breakeven timeline.

Also covers: Renewal, Rates

Refinance

Refi Breakeven

How many months until you recoup refi costs?

Also covers: Renewal

Renewal

Compare renewal offers and plan for payment shock.

1
Renewal

Renewal Compare

Offers vs market; payment shock forecast.

Investment

Rental dimming, DSCR and investor-first worksheets.

2
Investment

Rental Income Qualifier

Offset vs Add-back, vacancy & expense shading ('dimming').

Investment

DSCR / NOI

Debt Service Coverage at property and portfolio levels.

HELOC / Smith

Blend HELOCs and Smith Manoeuvre tracking.

2
HELOC / Smith

HELOC Payment & Interest

Interest-only vs amortized options, prime-linked.

HELOC / Smith

Smith Manoeuvre

Deductible tracking, capitalize interest (optional), exports.

Run scenarios freely, then create a free account to save them. Your dashboard syncs calculators with renewal reminders, rate holds, and document checklists.