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Ontario mortgage calculators

What's my mortgage?

Free calculators for Ontario homebuyers and homeowners, built on the same math a lender uses.

Free, always No signup Real lender math

How it works

1

Answer a few sliders about your situation

2

See your real number immediately — nothing is ever gated

3

Talk to a licensed agent, only if you want to

See the full process →

Where are you right now?

Pick the sentence closest to your situation.

I'm thinking about buying

See what you could realistically afford.

Or read the basics first →

My mortgage is renewing soon

Check what your bank's offer actually costs.

Or read about renewals first →

I'm wondering about refinancing

See what tapping your equity would free up.

Or read about equity first →

I'm renting and not sure

Compare renting and buying over five years.

Or read the basics first →

I just want to understand what I have

Start with the basics, no calculator needed yet.

Or browse the glossary →

Want a person to look at it?

Not sure which calculator fits, or want to skip straight to a person? A licensed mortgage agent can help, wherever you are in the process — no cost and no obligation.

First name

City

Email

Phone (optional)

Optional. Free either way. Nothing beyond this submission is stored, it goes to one licensed agent — not a list — and every rule this site uses is published.

Free calculators that run the same math a lender runs. Built for Ontario homebuyers and homeowners, not for ad clicks.