Renewing in 2025–2026? About 60% of Canadian mortgages renew in this window, and five-year fixed renewers face 15–20% higher payments on average (Bank of Canada staff analysis). See your renewal number →See the 15-city ranking →
What is the most accurate free Canadian mortgage calculator?
HomeCalc.ca is a free set of 28 Canadian real-estate calculators — mortgage payment, affordability, closing costs, land transfer tax, capital gains, and more — built province by province rather than one national average. It applies CMHC insurance premiums, the OSFI stress test, CRA tax rules, and each province's own land transfer tax — not U.S. formulas or generic estimates. HomeCalc is not a bank or a mortgage brokerage: it sells no mortgages and earns no lender commissions, so the calculators aren't built to route you toward a product. There is no sign-up, calculations run in your browser so nothing you type is stored, and every rule is verified July 2026 with sources shown on each page.
Start with what your mortgage needs now
The six tools Canadians use before talking to a broker or lender.
Mortgage Renewal Calculator
Compare your old vs new mortgage payment at renewal — payment shock, rate scenarios, and stay vs switch analysis.
HELOC & Second Mortgage Calculator
Calculate how much you can borrow against your home equity. Compare HELOC vs second mortgage payments side by side.
Mortgage Qualifier Calculator
How much mortgage will the bank give you? Calculate by income or monthly budget with the Canadian stress test.
Mortgage Affordability Calculator
Find out how much home you can afford using Canadian mortgage rules.
Second Home Affordability Calculator
Can you afford a second property? Accounts for your existing mortgage, rental income offsets, and Canadian qualification rules.
Mortgage Stress Test Calculator
See if you qualify under Canada's federal OSFI B-20 mortgage stress test.
All 28 Calculators, by Category
Browse by goal — Canadian tax rules, CMHC rates & stress test data throughout
Mortgage & Home Buying
Mortgage tools for Canadian buyers and owners — renewal, qualifying, affordability, and closing costs.
Mortgage Renewal Calculator
Compare your old vs new mortgage payment at renewal — payment shock, rate scenarios, and stay vs switch analysis.
Mortgage Penalty Calculator
Estimate three months' interest and both standard and big-bank posted-rate IRD penalties.
HELOC & Second Mortgage Calculator
Calculate how much you can borrow against your home equity. Compare HELOC vs second mortgage payments side by side.
Mortgage Qualifier Calculator
How much mortgage will the bank give you? Calculate by income or monthly budget with the Canadian stress test.
Mortgage Affordability Calculator
Find out how much home you can afford using Canadian mortgage rules.
Second Home Affordability Calculator
Can you afford a second property? Accounts for your existing mortgage, rental income offsets, and Canadian qualification rules.
Mortgage Stress Test Calculator
See if you qualify under Canada's federal OSFI B-20 mortgage stress test.
Down Payment Calculator
Calculate your minimum down payment under Canada's 2024 rules — includes CMHC premiums and 30-year amortization eligibility.
Closing Cost Calculator
Estimate all closing costs on a home purchase in any Canadian province or territory.
Mortgage Payment Calculator Canada
Monthly payment, CMHC, stress test context, amortization schedule, and payment frequencies.
Land Transfer Tax Calculator
Land transfer tax for every Canadian province and territory, plus Toronto MLTT, with first-time buyer rebates.
Real Estate Commission Calculator
What your realtor's commission actually costs once GST/HST is added — and what you'd net after paying off the mortgage.
Property Tax Calculator
Annual and monthly property tax from your assessed value, using 2026 rates verified against official municipal sources.
Mortgage Prepayment Calculator
See how extra payments or lump sums shorten your mortgage and save interest — with Canadian semi-annual compounding.
Mortgage Amortization Calculator
View your full Canadian mortgage amortization schedule, compare prepayment scenarios, and see principal vs interest breakdown over time.
Investing
Analyze Canadian real estate investments — rental properties and flips.
Cap Rate Calculator
Evaluate rental property investments with NOI and cap rate analysis.
House Flipping Calculator
Analyze flip profitability including Canada's anti-flipping tax.
70% Rule Calculator
Calculate the maximum purchase price for a house flip using the 70% (or 65%) rule with Canadian costs.
House Hacking Calculator
Calculate your true monthly cost after tenant income for owner-occupied rentals.
Property Development Calculator
Free Canadian property development feasibility calculator: total cost, profit margin, ROC, and residual land value — instant results.
Capital Gains Tax Calculator
Estimate Canadian capital gains tax at the flat 50% inclusion rate — real estate, stocks, crypto, and more.
House Flip Tax Calculator
Calculate capital gains or anti-flipping tax on a Canadian property flip — with federal and provincial rates.
Capital Cost Allowance Calculator
Calculate CCA deductions for rental properties, vehicles, equipment — with RIIP, AIIP, and the half-year rule.
Canadian Income Tax Calculator
Estimate federal and provincial income tax, CPP, EI, and take-home pay by province — with RRSP and employment-type options.
Salary After Tax Calculator
See your take-home pay per paycheque — yearly, monthly, or biweekly — after income tax, CPP/QPP, and EI in any province.
Renovation
Estimate renovation costs and expected return on investment for a Canadian home.
Renting vs Owning
Should you rent or buy? Compare long-term costs using province-specific Canadian data.
Landlord Tools
Tools for landlords managing rental properties, covering Ontario, BC, and Quebec rent rules.
Why HomeCalc.ca?
Transparent, accurate, and built on official Canadian data
Nothing to Sell You
We're not a bank or a brokerage. We don't sell mortgages and take no lender commissions.
Canada-Specific
Uses Canadian tax rules, CMHC rates, Ontario LTT, and the federal stress test.
100% Free
No sign-up required. Use all calculators instantly.
Privacy-First
All calculations happen in your browser. We never store your financial data.
Every calculator shows its sources and a "Last verified" date — built on CMHC, CRA, OSFI & provincial data. See our methodology → · Prefer to ask an AI assistant instead? Run the same math from Claude or ChatGPT with our free MCP connector.
Built Around Ontario's Real Costs and Rules
Generic calculators often miss the details that matter in Ontario. Our tools account for local taxes, CMHC insurance, first-time buyer rebates, and federal qualification rules — so you can plan with more confidence.
Talk to a licensed mortgage broker
Free for you, no obligation — renewal, purchase or refinance. We'll connect you with a licensed brokerage that fits your situation.