Free tools
Mortgage calculators for Canada and Alberta
Run the numbers before you talk to anyone. Every calculator uses Canadian rules, updates as you type, and keeps your numbers on your device.
Mortgage payment
Your regular payment, total interest and a year-by-year amortization schedule.
Open calculatorAffordability
An estimated purchase-price budget under the stress test and debt-service limits.
Open calculatorDown payment & CMHC
Minimum down payment and default insurance premium, compared at 5, 10, 15 and 20% down.
Open calculatorAlberta closing costs
Land titles fees, legal, inspection and the other costs to budget for on closing day.
Open calculatorPay off faster
How much interest and time extra payments or a yearly lump sum could save.
Open calculatorRenewal comparison
Compare two rates side by side over your next term before you renew or switch.
Open calculatorHome equity
How much equity you have and how much you could borrow through a refinance or line of credit.
Open calculatorNot sure which one?
Ask the AI Mortgage Assistant, or let Rekha run your real numbers with you.