Free tools
Canadian Mortgage Tools
Free, no-signup, no-ads. Built by the team behind ScanForTax for Canadians who want better mortgage math than the bank's calculator gives them.
Mortgage Calculator
The only Canadian calculator that handles renewals, mid-term rate changes, and composite prepayment strategies — with proper semi-annual compounding for every payment frequency.
- · New purchase or existing mortgage / renewal mode
- · Model rate changes mid-amortization
- · All 6 Canadian payment frequencies (incl. accelerated)
- · CMHC tiers, stress test, land transfer tax (10 provinces)
- · Stack monthly extras + lump sums + one-time payments
- · Save and compare scenarios
Smith Manoeuvre Calculator
Quantify the tax-deductible HELOC strategy that converts non-deductible mortgage interest into deductible investment-loan interest. 25-year projection with risk assessment.
- · Available HELOC at 80% LTV
- · Annual tax savings at your marginal rate
- · 25-year investment + tax-shield projection
- · Risk score (rate, volatility, time horizon)