Free Canadian Financial Calculators

Make informed financial decisions with our free tools — mortgage payments, refinance savings, rent vs buy, and insurance cost estimates.

Mortgage Payment Calculator

Calculate your monthly mortgage payments, total interest, and full amortization schedule for any Canadian property.

Find out how much home you can afford based on your income, expenses, and the federal stress test rules.

Calculate monthly savings, break-even timeline, and 5-year net savings if you refinance to a lower rate.

Compare the true 5-year cost of renting versus buying — includes equity buildup, property taxes, and appreciation.

Estimate your auto and home insurance costs anywhere in Canada based on your province, driving history, and home profile.

Calculate your exact CMHC mortgage default insurance premium based on your down payment. Includes PST by province.

Calculate land transfer tax for any Canadian province. Includes Ontario, BC, Quebec, and Toronto municipal tax.

Estimate monthly payments and total interest for personal loans, car loans, and lines of credit.

All calculations are estimates based on standard formulas. Consult a licensed financial advisor or mortgage broker for personalized advice.