It's Not About The Rate.
It's About The Strategy.
Choose the calculator that matches your question, enter your own numbers, and see the result. Every client-ready tool is available from this one homepage.
- Ontario-specific
- Use your own numbers
- No obligation, ever
Choose the question you want answered
Browse all 12 public tools by stage, from buying your first home to payments, renewal, and mortgage-saving strategies.
Buying a Home
Plan affordability, down payment, and the rent-versus-buy decision.
Affordability
See a comfortable purchase range, your maximum, closing costs, and ways to increase your buying power.
⇄CompareRent vs Buy
Compare the long-term financial picture of renting and buying an Ontario home.
%StrategyDown Payment Analyzer
Compare minimum, 10%, 15%, 20%, 25%, and 35% down—including insurance, payments, retained cash growth, and true lifetime cost.
Payments & Renewals
Compare payments, evaluate renewal choices, track key dates, and review your current mortgage.
Payment Calculator
Compare three mortgage structures side by side, including payment, five-year principal, interest, balance, and lifetime cost.
⇆RenewalCompare My Renewal
Compare staying versus switching using payments, term interest, fees, balance, and important mortgage features.
◎MonitorTrack My Mortgage
Create a clear mortgage snapshot and see the key dates to prepare for your renewal.
A+ReportGrade My Mortgage
Review your rate, estimated penalty, flexibility, and renewal readiness in one report card.
Strategy & Savings
Test rate choices, prepayments, penalties, and debt restructuring.
Fixed vs Variable
See both monthly payments, how much interest each option could cost, and whether variable-rate changes fit your budget.
↗StrategyRate vs Flexibility
Compare two rates, prepayment privileges, five-year interest, payoff time, and equity created through mortgage paydown.
↓SavePrepayment Savings
See how extra payments can reduce interest and shorten your mortgage payoff timeline.
!BreakPenalty Calculator
Compare IRD with three months’ interest live, then test switch costs, prepayments, and break-even timing.
↻DebtPayment Reset
Compare your current payments with a mortgage-based debt consolidation scenario.