Is the Canadian stress test included?
Yes. The qualifying rate is max(5.25%, contract rate + 2%).
Mortgage calculator
Canada Mortgage Calculator 2026 – Affordability & Stress Test
Mode-aware affordability and repayment estimates with transparent assumptions for Canada. All calculations run directly in your browser.
Privacy-first design
Transparent assumptions
Browser-only calculations
Calculator inputs
Enter your numbers
No data storage. Inputs stay in this browser session only.
Results appear here after calculation
Click Calculate results to show max property price, loan amount, monthly payment, and amortization.
Partner offers related to your scenario
Sponsored options from mortgage partners. These links are separate from calculator outputs.
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Want better rates? Compare offers from top lenders →
Compare Canadian offersReplace with real affiliate link before launch.
Affiliate disclosure: We may earn a commission if you choose a partner. This does not affect your results.
Sponsored
Talk to a mortgage broker
Get a no-obligation discussion with a partner broker based on your scenario.
Replace with a real tracked partner link before launch.
Frequently asked questions
Do results include legal advice?
No. They are informational estimates only.
How accurate is this mortgage calculator?
It gives estimation-level outputs using your inputs and market assumptions, not final lender underwriting decisions.
Does this store my data or send it to a server?
No. Inputs and calculations run in-browser only, and no user inputs are persisted by this app.
Can I compare affordability and repayment views?
Yes. Switch modes to compare borrowing power with monthly-payment outcomes using the same input set.
Is this financial advice?
No. This tool is informational only and should be paired with advice from a qualified broker or advisor.
Related services
Sponsored services you may find useful after reviewing your estimate.
SponsoredExternal link
Want better rates? Compare offers from top lenders →
Compare Canadian offersReplace with real affiliate link before launch.
Affiliate disclosure: We may earn a commission if you choose a partner. This does not affect your results.
Sponsored
Talk to a mortgage broker
Get a no-obligation discussion with a partner broker based on your scenario.
Replace with a real tracked partner link before launch.