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Nine calculators for the questions that actually change your finances.
Not just “what's my payment?” — what restructuring frees up, what your equity could do, whether a property carries itself, and whether breaking your mortgage pays. All with Canadian semi-annual compounding.
Reviewed by Stan Rashev, mortgage & real estate broker · Updated
01 Strategy tools
Restructure, release, invest, renew.
For homeowners and investors deciding what to do with the mortgage they already have.
Cash-Flow Restructure Calculator
See what folding cards, lines of credit and loans into your mortgage would free up every month — and what happens above 80% of value.
Open calculator How much of my equity can I actually use?Home Equity Calculator
Find out how much equity you can access, what it could fund and what it would cost each month — as a refinance or a line of credit.
Open calculator Will this rental property carry itself?Investment Property Calculator
Model a plex or rental: monthly cash flow, cash needed to close (including Montréal welcome tax), cap rate, cash-on-cash return and debt-service coverage.
Open calculator What will my payment be at renewal?Renewal Payment Calculator
See how your payment changes at renewal — at the same amortization or reset to 25 or 30 years — before the letter arrives.
Open calculator Should I break my mortgage now — or wait?Prepayment Penalty Calculator
Estimate your penalty (three months' interest or IRD) and compare it with what a lower rate would save over the rest of your term.
Open calculator02 Buying & qualifying
Plan the purchase properly.
Payments, budget, down payment and insurance, and Québec's welcome tax — before you make an offer.
Mortgage Payment Calculator
Payments at every frequency, mortgage insurance, interest over your term and a full amortization schedule — with Canadian semi-annual compounding.
Open calculator How much home can I afford?Mortgage Affordability Calculator
Estimate your maximum purchase price the way lenders do — with GDS/TDS ratios and the federal stress test — and see which limit is binding.
Open calculator How much do I need down — and what does insurance cost?Down Payment & CMHC Insurance Calculator
Your minimum down payment, the mortgage insurance premium and the provincial tax on it (9% in Québec, 8% in Ontario) paid at closing.
Open calculator How much welcome tax will I pay?Québec Welcome Tax Calculator
Estimate Québec's land transfer duties — the “welcome tax” — for Montréal's higher brackets or the standard provincial rates, with a bracket-by-bracket breakdown.
Open calculatorCalculators give estimates.
A strategy call gives you the real number — and what to do about it.