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Home / Mortgage Calculator

—8-block Canadian calculator

Estimate your real mortgage payment.

Built for Canada — semi-annual compounding, your payment frequency, taxes, condo fees and heat included. Adjust any block and watch your numbers update live.
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Estimated payment
$0/month
Principal Interest
Mortgage payment$0
Mortgage amount$0
Total interest paid$0
Total of all payments$0
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Estimates use Canadian semi-annual compounding and are for illustration only. Your actual payment depends on lender, product and approval (OAC). Default insurance premiums are not included.

-Good to know

How Canadian mortgage math works

semi

Semi-annual compounding

Unlike the US, Canadian fixed mortgages compound twice per year — this calculator reflects that, so your estimate is realistic.

ac

Accelerated payments

Switching to accelerated bi-weekly adds one extra monthly payment a year — and can shave years off your amortization.
ac

The stress test

Lenders qualify you at the higher of your rate +2% or 5.25%. We’ll confirm the figure that actually applies to you.

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We’ll confirm your actual rate and payment in writing — and shop 50+ lenders to beat it if we can.
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