Free tools — no email required*
Mortgage Calculators
Built with real 2026 Canadian rules: semi-annual compounding, the federal stress test, current land transfer tax brackets and rebates. *The reverse mortgage full breakdown is the only gated report.
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Reverse Mortgage Estimate
55+? See how much tax-free cash you could unlock from your home — by age and home value.
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Mortgage Payment Calculator
Monthly payment with correct Canadian semi-annual compounding, plus total interest over your term.
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Affordability & Stress Test
Your real maximum with the federal stress test, GDS/TDS limits and down payment rules applied.
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Land Transfer Tax (Ontario & Toronto)
Both taxes, all brackets including Toronto's luxury tiers, with first-time buyer rebates.
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Renewal Savings Calculator
What your bank's renewal letter costs you vs today's market rate — monthly and over the term.
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