12 Ontario Mortgage Calculators · No Signup

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
Every client calculator in one place

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.

12 calculators across 3 categories
3 calculators

Buying a Home

Plan affordability, down payment, and the rent-versus-buy decision.

Buying

Affordability

See a comfortable purchase range, your maximum, closing costs, and ways to increase your buying power.

Compare

Rent vs Buy

Compare the long-term financial picture of renting and buying an Ontario home.

Strategy

Down Payment Analyzer

Compare minimum, 10%, 15%, 20%, 25%, and 35% down—including insurance, payments, retained cash growth, and true lifetime cost.

4 calculators

Payments & Renewals

Compare payments, evaluate renewal choices, track key dates, and review your current mortgage.

Payment

Payment Calculator

Compare three mortgage structures side by side, including payment, five-year principal, interest, balance, and lifetime cost.

Renewal

Compare My Renewal

Compare staying versus switching using payments, term interest, fees, balance, and important mortgage features.

Monitor

Track My Mortgage

Create a clear mortgage snapshot and see the key dates to prepare for your renewal.

Report

Grade My Mortgage

Review your rate, estimated penalty, flexibility, and renewal readiness in one report card.

5 calculators

Strategy & Savings

Test rate choices, prepayments, penalties, and debt restructuring.

Compare

Fixed vs Variable

See both monthly payments, how much interest each option could cost, and whether variable-rate changes fit your budget.

Strategy

Rate vs Flexibility

Compare two rates, prepayment privileges, five-year interest, payoff time, and equity created through mortgage paydown.

Save

Prepayment Savings

See how extra payments can reduce interest and shorten your mortgage payoff timeline.

Break

Penalty Calculator

Compare IRD with three months’ interest live, then test switch costs, prepayments, and break-even timing.

Debt

Payment Reset

Compare your current payments with a mortgage-based debt consolidation scenario.