Canadian Mortgage Qualifying Income Calculator

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Mortgage & Stress Test

Core payment calculator with stress test.

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Affordability Calculator

Maximum home price from GDS/TDS ratios and stress-test rules.

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CMHC Insurance Premium

Default insurance premium tiers and PST due on closing.

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Mortgage Penalty (IRD)

Break penalty: 3-month interest or IRD.

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Payment Frequency Savings

Monthly vs bi-weekly vs accelerated — interest and time saved.

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Change in Use (Deemed Disposition)

Calculate deemed capital gains tax and Section 45(2)/(3) deferrals when converting a primary residence to a rental or vice versa.

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Secondary Suite Buying Power

Calculate extra mortgage power unlocked by a legal basement suite using CMHC rental add-back.

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Rent Control Exemption Premium

Calculate the extra property value created by having a rent-control-exempt building.