Mortgage calculators for payments, affordability, refinance, and closing costs

Start with the six public calculators most Canadian borrowers need first, then create a free account to unlock all 25 calculators in your dashboard at no cost.

Payment Estimator

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

Affordability (Max Purchase)

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

Debt Service (GDS/TDS)

Full ratio breakdown with policy toggles.

Minimum Down Payment

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

Closing Costs

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

Refinance Analyzer

Payment change, savings, penalty, and breakeven timeline.

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All 25 calculators are free in your dashboard

Create a free account to access the complete calculator suite, including the six public tools plus renewal math, rate comparisons, rental analysis, and HELOC planning.

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Cash Needed to Close

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DP, PTT, premiums, taxes and adjustments waterfall.

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Property Transfer Duties (Canada)

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

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Stress Test Qualifier

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

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Affordability (Qualification)

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Check qualification from a mortgage amount, income, and debts.

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Amortization

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Balance, interest vs principal, exportable schedule.

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Amortization Compare

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Side-by-side amortization scenarios with charts.

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BC Property Transfer Tax

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

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DSCR / NOI

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Debt Service Coverage at property and portfolio levels.

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Fixed vs Variable

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Sensitivity bands and expected prime path.

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HELOC Payment & Interest

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Interest-only vs amortized options, prime-linked.

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Insurer Premium

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

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IRD Penalty Calculator

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Compare 3-month interest, contract-rate IRD, and posted-rate IRD.

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Prepayment Impact

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

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Rate Comparison (True Cost)

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

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Refi Breakeven

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How many months until you recoup refi costs?

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Renewal Compare

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Offers vs market; payment shock forecast.

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Rental Income Qualifier

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

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Smith Manoeuvre

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Deductible tracking, capitalize interest (optional), exports.

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Trigger Rate & Point

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VRM survivability and negative amortization guard.

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Calculator methodology reviewed: Public calculator assumptions are reviewed by the Pragmatic Mortgage Lending broker team. Results are planning estimates only; lender policy, borrower documentation, property details, live rates, and final approval can change the outcome.