The Mortgage Ledger

Canada

Canada mortgage calculator

Your monthly payment with Canadian semi-annual compounding, live Bank of Canada rates, and provincial tax & insurance estimates.

Loan details

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Paid straight to principal each month — see the interest and time it saves in the results.

Your numbers, clearly recorded.

Canada's mortgage market has its own rules — stress tests, land transfer taxes, CMHC insurance. The Mortgage Ledger helps you understand what those mean for your actual monthly payment, before you talk to a lender.

Rates sourced from the Bank of Canada. Estimates only — not a loan offer.

Enter loan details to see your payment.

Save & share

Save scenarios to compare them later — they stay in this browser.

Compare scenarios

Save a scenario above, then compare it side by side with your current inputs here.

Mortgage rate trend

Past year, weekly national average

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Phase 1 preview of the new country-first structure — not yet indexed. The live site is running unchanged.