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 →
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 26 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 for your Ontario home purchase.
Mortgage Payment Calculator Canada
Monthly payment, CMHC, stress test context, amortization schedule, and payment frequencies.
Land Transfer Tax Calculator
Calculate Ontario LTT and Toronto MLTT with first-time buyer rebates.
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 in Ontario.
Renting vs Owning
Should you rent or buy? Compare long-term costs with Ontario-specific data.
Landlord Tools
Ontario-specific tools for landlords managing rental properties.
Why HomeCalc.ca?
Transparent, accurate, and built on official Canadian data
100% Free
No sign-up required. Use all calculators instantly.
Canada-Specific
Uses Canadian tax rules, CMHC rates, Ontario LTT, and the federal stress test.
Unbiased
Not affiliated with any bank or brokerage. Just clear numbers.
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 →
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.