13 calculators

All calculators

Every calculator on this site, grouped by the decision it helps with. All of them work in your browser, show their assumptions, and keep nothing you type.

Home

Buying, carrying and selling a place to live.

Can I afford this?Puts a purchase against the rest of your month: what comes in after deductions, what the purchase costs to carry, what is left, and whether that leaves room to absorb a surprise.
What would my mortgage payment be?A Canadian mortgage payment on the semi-annual compounding the law requires, with default insurance where it applies, the interest over the full amortization, and the balance year by year.
How much house can I afford?The highest price that still passes the debt service ratios a lender applies, tested at the qualifying rate rather than the rate you were quoted. Every threshold is editable and explained.
Is renting or buying better for me?Both households start with the same cash and whichever has the lower monthly outlay invests the difference. Shows net worth either way, the break-even year, and every assumption behind it.
How much down payment do I need?The minimum a Canadian lender can accept at a given price, what insurance it triggers, what the premium adds to the loan, and what is left of your savings once closing costs are paid.
What will closing cost me?Land transfer tax and registration fees calculated from your province's published schedule, kept separate from the legal, title and inspection estimates you can edit.
What will it cost to sell my house?Commission, legal fees, discharge and the rest, taken off a sale price alongside the mortgage payout, to leave the figure that actually reaches you.
What does paying extra on my mortgage save?What an extra payment takes off the interest and off the years, and the date the mortgage clears instead.

Debt

What a balance costs to carry, and what clears it sooner.

Savings

What money set aside grows to, and what reaching a goal takes.

Vehicles

What a vehicle costs to buy and to run.

What would my car payment be?Sales tax on the right base for your province, the trade-in applied where the province allows it, and the payment, interest and total cost that follow.