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Canadian Mortgage & Stress Test Calculator

Estimate your monthly payments using Canadian semi-annual compounding rules, and see how the 2026 OSFI stress test affects your affordability. Open a listing and use Analyze this property to pre-fill the home price.

Inputs

20.00%
Stress test rate will be the higher of your rate + 2% or 5.25% (OSFI 2026 rules).

Results

Principal Balance

$400,000.00

Actual Monthly Payment

$2,384.86

Stress Test Rate

7.25%

Stress Test Qualifying Payment

$2,865.55

Lenders use this higher amount to determine your eligibility, ensuring you can afford payments if rates rise.

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