Mortgage Calculator

Estimate your mortgage payment for Canada or the United States. Adjust price, down payment, interest rate, amortization period, payment frequency, and extra housing costs for a detailed but simple view of your total monthly payment.

Country Product type Interest rate (annual)

Home price Down payment (%) Down payment (amount)

Amortization period (years) Payment frequency Loan amount (calculated)

Annual property tax Annual home insurance Monthly HOA / condo fees

Rates are starting points based on recent averages. Always check current lender rates before making decisions.

Payment & cost breakdown

Payment per period (principal & interest)

$0.00

Based on selected frequency

Equivalent monthly mortgage payment (P&I)

$0.00

Principal & interest only

Estimated total monthly housing cost

$0.00

Mortgage + tax + insurance + HOA/fees

Total interest over full amortization

$0.00

Assumes constant rate for entire period

Total paid (principal + interest)

$0.00

Over full amortization period

This calculator is for estimates only and does not include all possible costs (e.g. CMHC/PMI, closing costs, rate resets, or prepayment changes). Talk to a lender or advisor before final decisions.