Free Mortgage Calculators for Ontario
Run your numbers before you call anyone. Four free mortgage calculators, each built for a specific situation in Ontario and across Canada: payment, renewal and refinance, debt consolidation, and reverse mortgage. No email gate, no credit check, no commitment, and no rate-table upsell. Built by a licensed mortgage agent, not a rate-comparison site.
Mortgage Renewal Calculator
Renewal letter just arrived? Model the new payment, compare fixed vs variable, and see exactly how much you could save by shopping the market before you sign.
Best for: homeowners within 120 days of renewal or considering a mid-term refinance
Run My Numbers arrow_forwardDebt Consolidation Calculator (No Email)
Credit card balances running at 19-22%? See in 60 seconds whether rolling them into your mortgage could free up $400 to $800 per month. Full result, no email needed.
Best for: Ontario homeowners with $10,000+ in high-interest debt
Calculate My Savings arrow_forwardReverse Mortgage Calculator (No Personal Info)
55 or older and house-rich but cash-limited? See how much equity you could access tax-free, without monthly payments, without sharing personal information first.
Best for: Ontario homeowners 55+ exploring equity access without selling
Estimate My Equity arrow_forwardMortgage Payment Calculator
Buying or renewing in Ontario? Estimate your monthly payment, total interest, and the full amortization, with CMHC insurance and accelerated-payment options built in.
Best for: Ontario buyers and renewers estimating a payment before they commit
Calculate My Payment arrow_forwardWhich mortgage calculator should I use?
Pick the tool that matches your situation. Not sure? The closest match is usually the right place to start.
Buying a home or just want a monthly payment estimate
Use the Mortgage Payment Calculator for principal, interest, CMHC insurance, and full amortization.
Your renewal is within 120 days, or you are weighing a refinance
Use the Renewal and Refinance Calculator to model the new payment and compare fixed versus variable before you sign.
You carry high-interest credit card or loan debt
Use the Debt Consolidation Calculator to see if rolling debt into your mortgage frees up monthly cashflow.
You are 55 or older and want to access home equity
Use the Reverse Mortgage Calculator to estimate tax-free equity with no required monthly payments.
How these differ from bank and rate-site calculators
- check_circleNo email gate. Every result shows on the page. You are never asked for an email, name, or phone number to see your numbers.
- check_circleNo credit check. These are estimate tools. Nothing here touches your credit report.
- check_circleNo rate-table upsell. This is not a rate-comparison site routing you to whoever pays the most. The math is the product.
- check_circleReal Canadian math. Standard semi-annual compounding, current 2026 rate ranges, and the Ontario stress test, not a generic loan formula.
- check_circleBuilt by a licensed agent. Designed and reviewed by Jenny Tate, Mortgage Agent Level 1 (FSRA #M22002086), so the assumptions match how Ontario files actually qualify.
Mortgage calculator FAQ
Are these mortgage calculators free?
Yes. All four calculators are completely free, with no sign-up and no email required. You get the full result on the page.
Do I need to enter my email to see results?
No. Every calculator shows your full result on screen without asking for an email, name, or phone number first.
Do you run a credit check?
No. None of the calculators touch your credit. They are estimate tools only and do not pull a credit report.
How accurate are the calculators for Canada?
They use standard Canadian semi-annual compounding and current 2026 rate ranges, so the numbers are close estimates. They are not a lender commitment. For an exact figure, a licensed agent runs your specific file against 50+ lenders.
Which mortgage calculator should I use?
Use the payment calculator for a new purchase or a payment estimate, the renewal calculator if your renewal is within 120 days, the debt consolidation calculator if you carry high-interest debt, and the reverse mortgage calculator if you are 55 or older and want to access home equity.
Not sure which tool fits your situation?
Book a Free 15-Minute Call with Jenny calendar_todayNo obligation. No sales pitch. Just answers.
Jenny Tate, Mortgage Agent Level 1, FSRA #M22002086, Tango Financial Inc. FSRA #13691. Calculator results are estimates for illustrative purposes only.