CAMortgage Stress Test
Check mortgage affordability under Canada's stress test rules.
Open Calculator →
Last updated
Free Mortgage Calculators for Canada & USA 2026
Model monthly payments, Canadian stress-test qualification, and how much house you can afford on both sides of the border. Tools are tuned to current lending norms and refreshed rate inputs so you can stress-test scenarios before you talk to a lender — always confirm terms with your bank or broker.
CA
CA+USMortgage Affordability Calculator
Estimate max home price in Canada (stress test, GDS/TDS, CMHC) or the US (28/43 DTI, PMI, conforming limit).
Open Calculator →
CA+USRent Affordability Calculator
See max rent from the 30% (or 20/40%) rule and a debt-adjusted budget for Canada and the US — provinces and states supported.
Open Calculator →
CAMortgage Calculator Canada
Estimate monthly mortgage payments for Canadian homes, with stress test and CMHC insurance context.
Open Calculator →
CABank of Canada Rate Decision
Next Bank of Canada announcement with countdown, decision history, and what a 0.25% move does to a variable mortgage.
Open Calculator →
CAPrime Rate Canada
Today's Canadian prime rate, every change since 1990, and what prime means for variable mortgages and HELOCs.
Open Calculator →
USMortgage Calculator US
Calculate your monthly US mortgage payment with principal, interest, property tax, insurance, PMI, and HOA.
Open Calculator →
CALand Transfer Tax Calculator Canada 2026
Calculate land transfer tax for all Canadian provinces including first-time buyer rebates.
Open Calculator →
CACMHC Insurance Calculator Canada 2026
Calculate your CMHC mortgage insurance premium for 2026.
Open Calculator →
CAHome Affordability Calculator
Estimate the maximum home price you can afford in Canada using GDS/TDS ratios and the mortgage stress test.
Open Calculator →
CADebt-to-Income Calculator
Calculate your debt-to-income ratio and see if you qualify for a mortgage in Canada or the US.
Open Calculator →
CAMortgage Penalty Calculator
Estimate your mortgage break penalty in Canada — IRD vs 3-month interest comparison.
Open Calculator →
CAClosing Costs Calculator
Estimate your total closing costs when buying a home in Canada — land transfer tax, legal fees, title insurance, and more.
Open Calculator →
Frequently asked questions
Do you have mortgage calculators for all Canadian provinces?
Yes — we offer mortgage calculators for all 10 provinces, plus dedicated tools for major cities including Toronto, Vancouver, Calgary, Montreal, and Ottawa, so you can align payments with local price and rate context.
Do you have mortgage calculators for all US states?
Yes — we cover all 50 US states with state-specific context where it matters, including transfer taxes and typical home-price assumptions used in affordability views.
How often are mortgage rates updated?
Rates refresh every Monday through an automated pipeline that aggregates data from the Bank of Canada, RBC, TD, and CIBC for Canada, and from Freddie Mac and FRED for the United States.
Do you have a mortgage stress test calculator?
Yes — the Canadian mortgage stress test calculator uses the current qualifying rate: the higher of your contract rate plus 2% or 5.25%, in line with federal stress-test guidance for insured and many uninsured mortgages.
What is the difference between a mortgage calculator and a mortgage affordability calculator?
A mortgage calculator estimates your monthly payment from a home price, down payment, rate, and amortization. A mortgage affordability calculator works the other way: you enter income, debts, and assumptions, and it estimates how much home you may qualify for under common lender rules.