Free Canadian mortgage planning calculators and educational resources
Mortgage Tools Canada was created to help Canadians navigate one of the most important financial decisions they'll ever make: buying a home. We believe that everyone deserves access to accurate, easy-to-use tools and clear, unbiased information about mortgages and home financing.
Our mission is simple: to provide free, reliable mortgage calculators and educational content that empower Canadians to make informed decisions about their home purchases.
Comprehensive tools covering payments, affordability, prepayments, and more
No registration, no hidden fees, no credit card required
Public Bank of Canada rate data used as a market reference
Your calculations stay in your browser - we don't store your data
Unlike generic mortgage calculators, ours are specifically designed for the Canadian market. We account for CMHC insurance, Canadian tax rules, the mortgage stress test, and provincial variations in land transfer taxes and regulations.
We're not a bank, mortgage broker, or lender. We don't sell your information to third parties, and we don't earn commissions from mortgage referrals. Our goal is to provide helpful, clearly sourced information and planning tools.
Beyond calculators, we provide comprehensive guides, glossaries, and resources to help you understand the entire home buying process. We explain concepts in plain language without overwhelming jargon.
We offer a complete suite of mortgage calculators to help you through every stage of your home buying journey:
Calculate your monthly payments including principal, interest, taxes, and insurance.
Try it now →Determine how much home you can afford based on your income and debts using GDS/TDS ratios.
Try it now →Check if you'll pass Canada's mortgage stress test before applying.
Try it now →Calculate provincial land transfer taxes including first-time buyer rebates.
Try it now →See how extra payments can save you thousands in interest and years off your mortgage.
Try it now →We review our tools and educational content against Canadian mortgage rules and public sources. Calculators are planning estimates and should be verified before a financial decision. We review:
While we strive for accuracy, our calculators provide estimates for educational purposes only. Your actual mortgage terms, rates, and costs will depend on your specific situation, credit profile, and lender policies. Always verify calculations with licensed professionals and get formal pre-approval before making any financial commitments.
We respect your privacy and believe your financial information should stay private:
Use all our calculators without creating an account or providing personal information
Most calculations happen in your browser - your inputs aren't sent to our servers
We do not sell personal information. Hosting, advertising and email service providers may process data as described in our Privacy Policy.
We use Google AdSense for funding. We clearly disclose advertising and have no hidden partnerships
Beyond calculators, we provide comprehensive educational content to help you understand:
Our tools and resources are designed for all Canadians, whether you're:
Navigate the complex home buying process with confidence using our step-by-step guides and calculators
Explore refinancing options, calculate prepayment benefits, and understand renewal strategies
Use our calculators as a reference tool when working with clients
Quick access to accurate Canadian mortgage calculations for client planning
Mortgage Tools Canada is funded through advertising revenue from Google AdSense. This allows us to keep all our calculators and resources completely free for users.
We maintain editorial independence and do not allow advertising to influence our content, calculator design, or educational materials. We are not paid to recommend specific lenders, products, or services.
Our Editorial Policy explains how information is reviewed, and our Calculator Methodology documents the main formulas and official rule sources used by the standard calculators.
We obtain our mortgage rate information and data from reliable sources:
We're always working to improve our tools and resources. If you have feedback, questions, or suggestions, we'd love to hear from you.
Email: info@mortgagetoolscanada.ca
Website: https://mortgagetoolscanada.ca/
We typically respond within 1-3 business days.
Mortgage Tools Canada provides tools and information for educational purposes only. We are not:
All calculator results are estimates. Your actual mortgage terms, rates, payments, and costs will depend on your specific financial situation, credit profile, property details, and lender policies. Always consult with licensed professionals including mortgage brokers, financial advisors, real estate lawyers, and tax professionals before making any financial decisions.
For detailed information, please review our full disclaimer, terms of service, and privacy policy.
Explore our free mortgage calculators and take control of your home buying journey.
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