Mortgage Payment Calculator
Work out your mortgage payment with Canadian semi-annual compounding, CMHC insurance and a full amortisation schedule.
Open Calculator : Mortgage Payment Calculator
Plan Ahead
Canadian Mortgage Calculators
Free tools built on Canadian semi-annual compounding — not the American monthly formula that overstates your payment.
Free Tools
Choose a Calculator
Four tools covering the questions that come up most — what a payment costs, what a renewal saves, and what equity you can reach.
FTHBI Calculator
Check your eligibility for the First-Time Home Buyer Incentive and estimate the shared-equity repayment.
Open Calculator : FTHBI CalculatorMortgage Renewal Calculator
Compare your current rate against a renewal offer and see exactly what switching would save you.
Open Calculator : Mortgage Renewal CalculatorMortgage Refinance Calculator
See how much equity you can access at 80% LTV, what it costs to break, and when you break even.
Open Calculator : Mortgage Refinance Calculator
Why the Numbers Differ
Built for Canadian Mortgages
Canadian compounding
Fixed-rate mortgages here compound semi-annually, not monthly. The American formula overstates a Canadian payment — these tools use the right one.
CMHC premiums included
Insurance premiums are applied at the correct bands for your down payment, so the figure you see is the figure you finance.
Full amortisation
See the whole schedule — how much of every payment is interest, and what you still owe at any point in the term.
Want the real numbers for your situation?
Calculators give you an estimate. A conversation gives you an answer — and it costs you nothing.