Transparent Canadian financial tools
Make data-backed decisions with free calculators calibrated to current Canadian regulatory standards — including the mortgage stress test, CMHC insurance thresholds, and IRCC residency rules.
Home buying and financing suite
Calculators calibrated to Canadian lending criteria, OSFI stress test guidelines, and CMHC down payment brackets.
Mortgage payment calculator
Calculate your monthly or bi-weekly mortgage payment, total interest over term, and amortization schedule.
Calculate paymentHome affordability calculator
Determine maximum home purchase price based on household income, debts, and Canada's 39% GDS / 44% TDS limits.
Estimate maximum budgetDown payment and CMHC calculator
Compute statutory tiered minimum down payments and compare CMHC default insurance premiums versus a 20% down payment.
Plan your down paymentClosing cost calculator
Estimate out-of-pocket cash required for closing: land transfer taxes, real estate legal fees, home inspection, and title insurance.
Estimate cash costsSettlement and citizenship suite
Plan your pathway to Canadian permanent residence and citizenship milestones.