Tools & Calculators

8 interactive calculators to help you plan and budget for your home purchase — including tools you will not find anywhere else.

Calculate payments, amortization, and compare rate scenarios with visual charts. Uses proper Canadian semi-annual compounding.

See the maximum home price you can afford with GDS/TDS stress test analysis and detailed monthly breakdown.

Plan your tax-free down payment using First Home Savings Account and RRSP Home Buyers Plan together.

Calculate LTT by province with first-time buyer rebates, Toronto municipal tax, and provincial comparison.

Exclusive to MyHousingRights.ca

Tools you will not find on Realtor.ca, RateHub, CMHC, or WOWA

Estimate your early termination penalty (IRD vs 3-month interest) and see if breaking your mortgage makes sense.

25-year side-by-side comparison with equity buildup, investment returns, and break-even year analysis.

Know exactly how much cash you need on closing day. Every fee itemized from legal to moving costs.

Compare current vs new mortgage, see net savings after penalty, and break-even timeline for refinancing.