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Mortgage calculator for Canada: CMHC, stress test, land transfer tax & payment
Mortgage Calculator Canada helps you plan your home purchase with the tools Canadian buyers actually need — built for our rules, our taxes, and our lenders. WHY THIS CALCULATOR Built specifically for Canadian home buyers: CMHC insurance premiums, the OSFI B-20 stress test, provincial land transfer tax (including Toronto and Montreal municipal tax), and GDS/TDS affordability ratios lenders actually use to qualify you. KEY FEATURES Mortgage Payment Calculator • Monthly, bi-weekly, and accelerated bi-weekly payment schedules • Full amortization schedule with principal/interest breakdown • See total interest paid over the life of your mortgage CMHC Insurance Calculator • Accurate premium calculation for down payments under 20% • Know your true monthly payment including mortgage insurance Mortgage Stress Test • OSFI B-20 qualifying rate calculation • See the rate you actually need to qualify at, not just your contract rate Affordability Calculator • GDS (Gross Debt Service) and TDS (Total Debt Service) ratios • Know your maximum affordable home price before you shop Land Transfer Tax Calculator • All provinces and territories • Toronto and Montreal municipal land transfer tax included • First-time buyer rebates (Ontario, BC, Toronto) Refinance & Renewal Tools • Compare your current mortgage against refinancing options • Renewal rate comparison to avoid overpaying at maturity Mortgage Comparator • Compare multiple rate/term scenarios side by side • See which option saves you the most over time Extra Payment / Prepayment Calculator • See how lump-sum and extra payments shorten your amortization • Calculate interest savings from accelerated payoff SAVE & EXPORT • Save your calculations and pick up where you left off • Export a clean PDF summary to share with your mortgage broker or realtor BILINGUAL • Full English and French support — built for buyers across Canada PRIVACY • Your financial numbers stay on your device • No account required to use the core calculators This app is for informational purposes only and does not constitute financial advice. Consult a licensed mortgage professional for decisions specific to your situation
past month, based on 1 day
Downloads
Low confidence3
From install count ÷ months since release
In-app revenue
Low confidence$2
From downloads × revenue per download
Ads
$1
$0 – $2
Estimate, ads (benchmark-based, not calibrated per app)
Total
$3
In-app + ads
Google Play only. Downloads from daily Top free ranks (or the store's install count); in-app revenue from Top grossing ranks, calibrated on AppTweak's US estimates, or else from downloads; ads from public ad benchmarks. Not reported figures.