Transparent Canadian Financial Tools
Make data-backed decisions with free calculators calibrated to current Canadian regulatory standards — including the mortgage stress test, CMHC insurance thresholds, and IRCC residency rules.
Home Buying & Financing Suite
Calculators calibrated to Canadian lending criteria, OSFI stress test guidelines, and CMHC down payment brackets.
Mortgage Payment Calculator
Calculate your monthly or bi-weekly mortgage payment, total interest over term, and amortization schedule.
Calculate Payment →Home Affordability Calculator
Determine maximum home purchase price based on household income, debts, and Canada's 39% GDS / 44% TDS limits.
Estimate Maximum Budget →Down Payment & CMHC Calculator
Compute statutory tiered minimum down payments and compare CMHC default insurance premiums vs a 20% down payment.
Plan Your Down Payment →Closing Cost Calculator
Estimate out-of-pocket cash required for closing: land transfer taxes, real estate legal fees, home inspection, and title insurance.
Estimate Cash Costs →Settlement & Citizenship Suite
Plan your pathway to Canadian permanent residence and citizenship milestones.