Free calculators that run entirely in your browser. Estimates only.
Co-signer eligibility calculatorEstimate whether adding a co-signer would realistically strengthen an application, and see which factor is holding it back.Loan payment calculatorCalculate the monthly payment, total interest, and total cost of a loan — then compare a co-signed rate against a solo rate.Credit-score impact estimatorEstimate the direction and rough size of the effect a co-signed loan can have on a co-signer's credit score. This is an educational estimate, not a score.Debt-to-income calculatorWork out your debt-service ratios — the numbers lenders use to decide how much you can borrow.Total cost of borrowing calculatorSee everything a loan actually costs — principal, interest, and fees — and how the term changes the total.Loan affordability calculatorEstimate a realistic maximum loan amount from your income and debts, using the debt-service guideline lenders apply.Co-signer risk checklistScore the real risks of co-signing — the borrower's reliability, the loan's terms, and your own ability to absorb a default.Mortgage payment calculatorWork out your mortgage payment the way Canadian lenders actually calculate it — with interest compounded semi-annually, not monthly.Mortgage affordability calculatorEstimate the maximum home price a Canadian lender may approve, using the debt-service ratios lenders actually apply.Mortgage renewal calculatorSee what your payment becomes at renewal if the rate changes, and what that costs over the new term.Mortgage prepayment calculatorSee how much interest a lump-sum payment saves and how many months it removes from your amortization.Mortgage payoff calculatorFind your mortgage payoff date, then see how many years a small extra monthly payment removes.Line of credit payment calculatorSee what a line of credit actually costs, and why paying only the interest means the balance never falls.
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