Mortgage & Loans
Home financing tools for both countries. The Canadian calculator uses semi-annual compounding and CMHC premiums; the US calculator adds property tax, insurance and PMI.
- Canadian Mortgage CalculatorSemi-annual compounding, CMHC insurance and full amortization.
- US Mortgage CalculatorPrincipal, interest, taxes, insurance and PMI.
Guides for these calculators
See worked examples and learn which inputs to use before trying the tools.
- Canada mortgage stress test: qualifying rate and examples
Canadian lenders do not approve you for the payment you will make. They approve you for a payment at a materially higher rate — and that gap decides what you can buy.
Estimates only. Results from this calculator are for general informational purposes and are not tax, legal, accounting or financial advice. Rates change and individual circumstances vary — confirm figures with the CRA, the IRS, your state or provincial authority, or a licensed professional before acting on them.
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