Canadian mortgage calculators
Payments, affordability, the stress test, default insurance and land transfer tax. Each one is worked out the way Canadian lenders do it, with today's rules.
Rules checked September 24, 2026Mortgage payment calculatorYour payment at any frequency, with insurance added when you put less than 20% down.Open the calculatorHow much house can I afford?The most you can borrow and spend, at the stress-test rate, with your debts.Open the calculatorMortgage stress test calculatorThe rate you must qualify at, the payment you're tested at, and the income it takes.Open the calculatorCMHC mortgage insurance calculatorThe default insurance premium when you put less than 20% down, with the tax on it.Open the calculatorLand transfer tax calculatorThe tax to buy in Ontario, Toronto, BC, Quebec, Montreal, Manitoba, New Brunswick or PEI.Open the calculator
General information about Canadian mortgages, not financial, legal or tax advice. Lenders and insurers apply their own criteria, and rules change; confirm the details with a licensed mortgage professional before you act.