Mortgage Payment & Fee Calculators
Free calculators built on Canadian mortgage math — payment, affordability, penalty, CMHC insurance, land transfer tax for BC, Alberta and Ontario, Manulife One, Smith Manoeuvre, and more, across residential and commercial. And this hub is one desk of a family that runs 60+ free calculators, every one with its math verified.
Quick answer
Mortgage Guru runs 30 calculators on this site — 21 residential and 9 commercial — inside a family of 60+ free mortgage calculators across one hub and five specialist desks. Counted honestly: a calculator that appears on two desks is counted once. Every tool is free, with no signup, and its math is verified — formulas re-derived, hand-computed test cases, pages re-read on screen.
The complete index
Every calculator in the family, one list
78 tools listed · 60 different ones — the other 18 already appear on another desk
- Manulife One
- Mortgage Payment Calculator
- Affordability + Stress Test
- BC Property Transfer TaxOne land-transfer calculator with three province doors — counted once in the family total.
- Alberta Land Title FeesOne land-transfer calculator with three province doors — counted once in the family total.
- Ontario LTT + Toronto MLTTOne land-transfer calculator with three province doors — counted once in the family total.
- Mortgage Insurance (CMHC · Sagen · Canada Guaranty)
- Closing Cost Calculator
- Mortgage Penalty — Break or Stay
- Stated Income — Self-Employed
- Equity Take-Out — Two Paths
- Spousal Buyout — Who Gets What
- Reverse Mortgage — 55+
- Back to Prime Timeline
- Smith Manoeuvre & Cash Damming
- Pay Off Your Mortgage Faster
- Blended Interest Rate
- Amortization Calculator
- Mortgage APR — the True Cost
- Financing Fees
- Home Sale Net Proceeds
- Rent vs Own Your Shop
- Mortgage Payment CalculatorSame verified engine as the residential tool, run with commercial numbers — counted once.
- CMHC MLI Select — Points & Max Loan
- Cap Rate, NOI & Cash-on-Cash
- EBITDA & Business Valuation
- Commercial Equity Take-OutSame tool as the residential equity take-out — one page, both sides. Counted once.
- Closing Cost CalculatorSame verified engine as the residential tool, run with commercial numbers — counted once.
- Land Transfer Tax + GSTSame verified engine as the residential tool, run with commercial numbers — counted once.
- Financing FeesSame verified engine as the residential tool, run with commercial numbers — counted once.
- Net worth & lending power
- RRSP meltdown
- RRSP drawdown
- RRSP vs TFSA
- Retirement
- Investment growth
- Capital gains
- Borrow vs sell
- Holdco vs personal
- RESP & CESG
- Wealth transfer & next-generation financing
- Rental as a retirement plan
- Cash damming
- U.S. rental DSCR
- Smith Manoeuvre Same tool as the hub's Smith Manoeuvre — counted once.
- Manulife One Same tool as the hub's Manulife One — counted once.
- Mortgage payment Same tool as the hub's payment calculator — counted once.
- Mortgage penalty Same tool as the hub's penalty calculator — counted once.
- Equity take-out Same tool as the hub's equity take-out — counted once.
- What can I qualify for? (projected income)
- Keep renting through residency, or buy now?
- Your debt-free date — and what an extra payment buys you
- The PLOC: pay it down, or fold it in?
- Prepay the mortgage, or invest?
- Price the renewal letter before you sign it
- Does the rental actually carry itself?
- If the income stopped, how big is the hole?
- When can I retire?
- Rent, or own your clinic's space? Same tool as the hub's commercial rent-vs-own — counted once.
- What the practice is worth
- What the financing costs
- Cash you need at closing
- Restructuring what you already owe
- Own it, or stay associate
- Will the whole deal qualify?
- Shift-Income Qualifier — same pay stub, three readings
- Spousal Buyout — who gets what Same tool as the hub's spousal buyout — counted once.
- Mortgage Payment Same tool as the hub's payment calculator — counted once.
- Pay It Faster Same tool as the hub's prepayment calculator — counted once.
- Posting-to-Posting — BC vs Alberta at closing
- Mortgage-Free by Your Pension Date
- Keep the House? — rent the old posting's home or sell it
- Smith Manoeuvre Same tool as the hub's Smith Manoeuvre — counted once.
- Rental vs RRSP vs TFSA — where should this money go
- The reverse-mortgage equity projection Same tool as the hub's reverse-mortgage calculator — counted once.
- Monthly income from your home
- Reverse mortgage vs a credit line
- Reverse mortgage vs downsizing
Counted honestly: a calculator that appears on two desks is counted once — the “same tool” marks above show every repeat. Desk links open on the desk’s own site.
On this site · part one
21 residential calculators
Manulife One
Compare a Manulife One readvanceable all-in-one account against a traditional mortgage at your own income, expenses and rate.
Open →Mortgage Payment Calculator
Quick payment on any mortgage amount, rate, and amortization up to 40 years — principal + interest or interest-only, monthly, semi-monthly, bi-weekly or weekly.
Open →Affordability + Stress Test
How much mortgage you actually qualify for under the OSFI B-20 stress test — GDS, TDS and the works.
Open →BC Property Transfer Tax
BC PTT with first-time buyer and newly-built home exemptions baked in.
Open →Alberta Land Title Fees
Alberta has no LTT — just the small Land Titles registration fees. Calculate them here.
Open →Ontario LTT + Toronto MLTT
Provincial LTT plus Toronto Municipal LTT — with the luxury brackets (increased April 2026) and first-time buyer rebates.
Open →Mortgage Insurance (CMHC · Sagen · Canada Guaranty)
Default-insurance premium, PST, and total insured mortgage — all three insurers, with the December 2024 federal rules built in.
Open →Closing Cost Calculator
Total cash needed at closing — land transfer tax + legal + appraisal + financing fees for A, Alternative (B) and Private mortgages.
Open →Mortgage Penalty — Break or Stay
IRD vs 3-month interest, big-bank posted-rate method vs fair method — your estimated penalty and whether breaking for today's rates is worth it.
Open →Stated Income — Self-Employed
Buy on your business, not a lean personal T1. The insured stated-income premium at 10% down, and what stating income actually costs versus standard insured.
Open →Equity Take-Out — Two Paths
Break for a new first to 80%, or keep your mortgage and add a second to 75% (65% condos) — penalty, published fees and legal netted out to real cash in hand.
Open →Spousal Buyout — Who Gets What
Enter your separation agreement's split — percent or dollars — and see both sides' shares of the equity, the buyout cheque, and the new mortgage the staying spouse carries, tested at your rate and the stress test.
Open →Reverse Mortgage — 55+
Tax-free equity, payments optional — see the race between your home's value and the balance over 25 years (paid or compounding), provincial probate on your estate, and what a living inheritance costs.
Open →Back to Prime Timeline
After a consumer proposal, bankruptcy, CRA debt, missed payments or foreclosure — where you can borrow today and the dated milestones back to prime lending.
Open →Smith Manoeuvre & Cash Damming
Convert non-deductible mortgage interest into deductible investment borrowing — refund recycling, cash damming for rental/business income, and the break-even return shown honestly.
Open →Pay Off Your Mortgage Faster
See how much faster you'll be mortgage-free with accelerated payments, extra contributions and lump sums.
Open →Blended Interest Rate
True cost of carrying your mortgage, credit cards, CRA & other debts — and what consolidating would save.
Open →Amortization Calculator
Year-by-year schedule for 25, 30 or 35-year amortizations — fixed vs variable compounding, plus interest-only payments for private and HELOC mortgages.
Open →Mortgage APR — the True Cost
The quoted rate isn't the price. Lender fee, broker fee, legal and renewals over the months you actually keep the money — the honest all-in APR, versus a B-side placement.
Open →Financing Fees
Quick estimate of financing and lender fees on your mortgage.
Open →Home Sale Net Proceeds
What you actually walk away with when you sell — commission as a dollar figure or a two-tier percentage with cashback, GST or HST on it, legal, the mortgage payout and its penalty, and any debts cleared on closing.
Open →On this site · part two
9 commercial calculators
Rent vs Own Your Shop
Your escalating rent against buying the building — crossover year, 10-year equity, break-even return on capital, and pulling the down payment from home equity with stated income.
Open →Mortgage Payment Calculator
Quick payment on any commercial mortgage — amortizations 5 to 50 years, principal + interest or interest-only, at any frequency.
Open →CMHC MLI Select — Points & Max Loan
Score your 5+ unit project on CMHC's point system, then see the maximum insured loan at the 1.10× DCR floor, your amortization ceiling, and the premium after the tier discount.
Open →Cap Rate, NOI & Cash-on-Cash
Cap rate, NOI, cash-on-cash return and DSCR — straight from your rent roll.
Open →EBITDA & Business Valuation
EBITDA, adjusted EBITDA, margin and a business valuation estimate from your P&L.
Open →Commercial Equity Take-Out
Pull equity from commercial property to 75% — new first or a second behind your existing one, with penalty, fees and legal netted to cash in hand. Toggle to Commercial inside.
Open →Closing Cost Calculator
Total cash needed to close: land transfer tax, GST/HST, commercial legal, appraisal, environmental Phase 1/2 and financing fees.
Open →Land Transfer Tax + GST
Just the closing taxes on commercial deals — land transfer tax plus GST or HST.
Open →Financing Fees
Quick estimate of financing and lender fees on your commercial deal.
Open →The other desks
60+ calculators across the family
A specialist desk for each kind of file, each building its own tools. Counted honestly — a calculator on two desks is counted once.
Private Wealth Financing — 19 planning tools
Smith Manoeuvre, RRSP meltdown and drawdown, wealth transfer across two generations, rental as a retirement plan, net worth & lending power — each with its verification printed on the page.
Open the tools ↗
Physician Mortgage — 9 calculators
Affordability on projected income, rent vs buy through residency, student debt, line-of-credit treatment, renewal — built for doctors, dentists, veterinarians and the professions lenders read differently.
Open the tools ↗
Healthcare Practice Financing — 7 calculators
Will the whole deal qualify, what the practice is worth, what the financing costs, cash needed at closing, own it or stay associate — the commercial side of healthcare.
Open the tools ↗
Officer Financing — 9 calculators
The full uniformed-services lineup — shift-income qualifier, spousal buyout, posting-to-posting, mortgage-free by your pension date, keep the house or sell it — built for police, RCMP, corrections, border services and CAF.
Open the tools ↗
Reverse Financing — 4 calculators
The race between the home's value and the compounding balance year by year, a monthly income you can't outlive, and the two honest comparisons — a credit line, and simply selling and moving.
Open the tools ↗A tool that appears on two desks is counted once — the “counted once” marks in the full list above show exactly which ones repeat.
Calculator questions, answered
How many free mortgage calculators does Mortgage Guru have?
60+ across the Mortgage Guru Financial family — this hub's 30 calculators (21 residential, 9 commercial) plus the specialist desks: 19 planning tools on Private Wealth Financing, 9 on Physician Mortgage, 7 on Healthcare Practice Financing, 4 on Reverse Financing, and Officer Financing's 9 uniformed-services tools. Counted honestly: a calculator that appears on two desks is counted once, which brings 78 listed tools down to 60 unique ones.
Are the calculators really free?
Yes — free, no signup, no account, and no lender pitch inside the math. They exist so you can answer a real financing question before you talk to anyone.
How is the math verified?
Each calculator's formulas are re-derived against authoritative Canadian methodology, then tested against hand-computed cases that the implementation must match exactly. The arithmetic was last re-verified and every page re-read on screen on August 1, 2026.
Where do I find each desk's calculators?
The full list on this page names every tool in the family and links each one directly — filter it by residential, commercial or wealth planning. The desks themselves: privatewealthfinancing.ca for the 19 planning tools, physicianmortgage.ca for the physician set, healthcarepracticefinancing.ca for practice financing, officerfinancing.ca for the 9 uniformed-services tools, and reversefinancing.ca for the 4 tools for homeowners 55+.
Which mortgage broker in Canada has the most calculators?
As of August 9, 2026, the Mortgage Guru Financial family runs 60 unique calculators across its hub and five specialist desks — counted honestly, with a tool that appears on two desks counted once. That is the largest verified suite we're aware of among Canadian mortgage brokerages. Checked August 9, 2026.
Why does one broker run six websites?
Mortgage Guru Financial is one licensed firm running a specialist desk for each kind of file — physician, officer, private wealth, reverse, and healthcare practice — each with its own site and its own tools, plus this hub. As far as we've verified, it is the only Canadian mortgage brokerage built as one hub with five specialist desks. Checked August 3, 2026.
30 calculators on this site — 21 residential and 9 commercial — inside a family of 60 different calculators across six sites. All free, no signup.
Every calculator here is built on published Canadian government rules and lender methodology, and was last checked for accuracy on August 1, 2026 — the arithmetic re-verified and every page re-read on screen. Rates and thresholds change — we confirm the current numbers for your file before you rely on them.