CalcShelf
Mortgage shelf · educational only

Explore home-buying numbers before they surprise you.

Estimate payments, payoff timing, affordability, refinance break-even, closing costs, and rent-vs-buy tradeoffs in a clean, privacy-light workspace. Canadian buyers can use the Canada-specific payment, default-insurance, affordability stress-test, amortization, closing-cost, and renewal/refinance calculators for term, renewal balance, payment frequency, GDS/TDS, CMHC-style premiums, land-transfer tax, cash-to-close, refinance LTV/equity room, and switching-cost details. These are educational calculators — useful for planning, not a lender approval or financial advice.

Estimate a payment → Browse mortgage tools
Payments and affordability
Extra-payment payoff scenarios
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Estimate a payment

Use the standard calculator for a quick estimate or the Canadian calculators for stress-test affordability, term, renewal balance, amortization, CMHC-style insurance, refinance, and cash-to-close details.

Pay off faster

Compare the baseline loan against extra monthly, annual, and lump-sum principal payments.

Understand the timeline

Use amortization and remaining-balance tools to see principal, interest, and future balance.

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Curated starting points

Search by goal, topic, or unit. Results update locally in your browser.

MortgageMortgage Payment CalculatorEstimate principal, interest, taxes, insurance, HOA, and total monthly payment.MortgageCanada Mortgage Payment CalculatorEstimate a Canadian mortgage payment with semi-annual compounding, term, amortization, payment frequency, down payment minimums, and default insurance.MortgageCanada Mortgage Default Insurance CalculatorEstimate Canadian mortgage default-insurance premiums, loan-to-value, premium tax placeholder, and down-payment scenarios.MortgageMortgage Affordability Calculator CanadaEstimate Canadian mortgage affordability with stress-test qualifying rate, GDS/TDS guideposts, minimum down payment, default insurance, and cash-to-close checks.MortgageCanadian Mortgage Amortization CalculatorBuild a Canadian amortization schedule with semi-annual compounding, payment frequency, renewal balance, default insurance, and prepayment checks.MortgageCanada Closing Cost CalculatorEstimate Canadian cash to close with land-transfer/property-transfer tax, selected rebates, legal fees, moving costs, adjustments, and down payment context.
Popular tools

Start with a useful one

These are the calculators people are most likely to need first.

Mortgage Mortgage Payment Calculator

Estimate principal, interest, taxes, insurance, HOA, and total monthly payment.

Open calculator → Mortgage Canada Mortgage Payment Calculator

Estimate a Canadian mortgage payment with semi-annual compounding, term, amortization, payment frequency, down payment minimums, and default insurance.

Open calculator → Mortgage Canada Mortgage Default Insurance Calculator

Estimate Canadian mortgage default-insurance premiums, loan-to-value, premium tax placeholder, and down-payment scenarios.

Open calculator → Mortgage Mortgage Affordability Calculator Canada

Estimate Canadian mortgage affordability with stress-test qualifying rate, GDS/TDS guideposts, minimum down payment, default insurance, and cash-to-close checks.

Open calculator → Mortgage Canadian Mortgage Amortization Calculator

Build a Canadian amortization schedule with semi-annual compounding, payment frequency, renewal balance, default insurance, and prepayment checks.

Open calculator → Mortgage Canada Closing Cost Calculator

Estimate Canadian cash to close with land-transfer/property-transfer tax, selected rebates, legal fees, moving costs, adjustments, and down payment context.

Open calculator → Mortgage Canada Mortgage Renewal & Refinance Calculator

Compare Canadian renewal, switch, and refinance offers with penalties, fees, break-even timing, term interest, balance impact, and refinance LTV/equity room.

Open calculator → Mortgage Mortgage Payoff Calculator

Compare regular payoff against extra monthly payments, one-time lump sums, and annual extra payments.

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How to use this shelf

Best for

Use this shelf to compare home payment, affordability, amortization, payoff, refinance, closing-cost, and Canada-specific mortgage scenarios.

Choose the right tool

Start with payment for a target home price, affordability for a max price, amortization for long-term interest, and closing costs for cash needed.

Verify before acting

Check lender rate, taxes, insurance, condo or HOA fees, closing costs, mortgage insurance, prepayment rules, and local qualification requirements.

Suggested workflow: A useful home-buying workflow is: affordability, payment, cash to close, amortization, then payoff or refinance only after the base case is comfortable.