Mortgage Calculators
10 free Canadian mortgage tools with real provincial rules, CMHC insurance, OSFI stress test, and land transfer taxes built in. All calculators are also available via API for AI agents and developers.
Featured Calculators
Mortgage Payment
Calculate your monthly or bi-weekly payments with Canadian semi-annual compounding. Includes CMHC insurance and amortization charts.
Open Calculator →Mortgage Affordability
Find your maximum purchase price using GDS/TDS ratios and the OSFI Stress Test. Canadian lending rules built in.
Open Calculator →Land Transfer Tax
Calculate your provincial land transfer tax for all 10 Canadian provinces. Includes Toronto MLTT and First-Time Buyer rebates.
Open Calculator →AdvancedPayoff Lab
The all-in-one mortgage payoff accelerator. See how payment strategies, lump sums, and refinancing reduce your total cost of credit.
Open Calculator →Financial Planning
Cost of Borrowing
See the true cost of your mortgage: total interest paid, effective annual rate, cost per dollar borrowed, and how a 1% rate change impacts your bottom line. Uses Canadian semi-annual compounding.
Open Calculator →Skip Payment
See the real cost of skipping mortgage payments. Interest keeps compounding while you pause — this calculator shows the added balance, increased payments, and extra months on your mortgage.
Open Calculator →Refinance & Penalties
IRD Penalty
Calculate your Interest Rate Differential (IRD) penalty for breaking a fixed mortgage early. Shows the penalty amount, breakeven timeline, and whether switching lenders actually saves you money.
Open Calculator →Spousal Buyout
Calculate how much you need to borrow to keep the home in a separation — including your ex's equity payout, debt consolidation, CMHC insurance, and stress test qualification.
Open Calculator →Calculator API for AI Agents & Developers
All calculators are available as a free JSON API. AI agents, chatbots, and developers can send mortgage data and get instant structured results — no scraping required.
Discovery
GET /api/calculators
Calculator Schema
GET /api/calculate/{id}
Run Calculation
POST /api/calculate/{id}
Responses include source attribution, calculation timestamp, and regulatory disclaimers. All math uses Canadian semi-annual compounding per the Bank Act.