HopeWell financial tools
Canadian mortgage calculators built for real planning
Thirty-eight connected calculators combine production-grade calculation engines, educational guidance, policy references, related HopeWell knowledge, and clear next steps.
Core Residential Mortgage Calculators
Core purchase, qualification, cost, equity, and comparison tools
11 live calculators
Mortgage Payment Calculator Canada
Calculate payments, compare frequencies, model prepayments, review amortization schedules, and export a detailed PDF.
Open calculatorMaximum Mortgage Calculator Canada
Estimate the maximum mortgage supported by income, GDS, TDS, property costs, monthly debts, amortization, and the Canadian stress test.
Open calculatorMortgage Affordability Calculator Canada
Estimate a maximum purchase price using income, debts, down payment, housing costs, mortgage insurance, and qualification limits.
Open calculatorMortgage Stress Test Calculator Canada
Compare contract-rate and qualifying-rate payments, GDS, TDS, and income requirements.
Open calculatorCMHC Insurance Calculator Canada
Estimate mortgage default-insurance premium, premium tax, insured mortgage amount, and payment impact.
Open calculatorOntario Land Transfer Tax Calculator
Calculate Ontario and Toronto land transfer taxes, first-time buyer rebates, and non-resident speculation tax.
Open calculatorOntario Closing Cost Calculator
Build a detailed cash-to-close estimate with taxes, legal fees, adjustments, insurance, and moving costs.
Open calculatorHome Equity Calculator Canada
Estimate gross equity, accessible equity, sale equity, and secured borrowing room under multiple LTV assumptions.
Open calculatorMortgage Refinancing Calculator Canada
Compare current and proposed mortgage payments, cash out, closing costs, LTV, interest, and break-even.
Open calculatorHELOC Calculator Canada
Estimate HELOC room, combined LTV, interest-only or amortizing payments, and rate sensitivity.
Open calculatorMortgage Comparison Calculator Canada
Compare two mortgage offers by payment, term interest, principal, renewal balance, fees, cash back, and net cost.
Open calculatorMortgage Planning and Strategy
Private, bridge, construction, debt, renewal, and prepayment tools
10 live calculators
Private Mortgage Cost Calculator
Calculate private mortgage payments, fees, net advance, term interest, maturity payout, and all-in borrowing cost.
Open calculatorPrivate Mortgage Exit Planner
Project the balance at maturity, target replacement LTV, required savings, exit gap, and replacement payment.
Open calculatorBridge Loan Calculator Canada
Estimate the closing-date funding gap, daily bridge interest, fees, sale-delay buffer, net advance, and payout.
Open calculatorConstruction Draw Calculator
Model construction draws, interest by tranche, contingency, fees, interest reserve, equity, and sources and uses.
Open calculatorMortgage Debt Consolidation Calculator
Compare unsecured debts with a mortgage consolidation by LTV, cash flow, transaction costs, and long-run interest.
Open calculatorMortgage Renewal Calculator Canada
Model renewal payment shock, lump sums, amortization choices, term interest, and the benefit of keeping a higher payment.
Open calculatorVariable vs Fixed Mortgage Calculator
Compare a fixed rate with a user-defined variable-rate path, including changing or fixed-payment variable structures.
Open calculatorExtra Mortgage Payment Calculator
Measure how recurring extra payments change interest, payoff time, annual cash commitment, and renewal balance.
Open calculatorMortgage Lump Sum Calculator
Compare keeping the payment or recasting after a lump sum, with interest savings and amortization reduction.
Open calculatorAmortization Schedule Generator Canada
Generate annual and payment-level Canadian mortgage schedules and export the complete schedule to PDF or CSV.
Open calculatorRental, Investment and Commercial Real Estate
Property income, investment return, and commercial underwriting tools
8 live calculators
Rental Property Calculator Canada
Model rental income, vacancy, operating expenses, NOI, cap rate, mortgage debt service, cash flow, DSCR, and cash-on-cash return.
Open calculatorCap Rate Calculator
Calculate stabilized NOI, capitalization rate, target-cap valuation, gross rent multiplier, and operating expense ratio.
Open calculatorRental Property Cash Flow Calculator
Estimate effective income, NOI, debt service, reserves, monthly cash flow, DSCR, and break-even occupancy.
Open calculatorCommercial Mortgage Calculator Canada
Model commercial mortgage payments, LTV, loan-to-cost, DSCR, debt yield, fees, cash required, and term maturity balance.
Open calculatorDSCR Calculator
Calculate debt-service coverage, required NOI, maximum debt service, and estimated loan capacity at a target DSCR.
Open calculatorDebt Yield Calculator
Calculate debt yield, maximum loan at target yield, required NOI, loan-capacity difference, and LTV.
Open calculatorNOI Calculator
Build a normalized net operating income statement with vacancy, operating expenses, reserve treatment, margins, and debt-service capacity.
Open calculatorReal Estate Investment Return Calculator
Project cash-on-cash return, mortgage amortization, sale proceeds, total profit, equity multiple, and annualized IRR.
Open calculatorSpecialized Financial Planning Calculators
Retirement, income, penalty, savings, housing-decision, and net-worth tools
9 live calculators
Reverse Mortgage Estimator Canada
Estimate equity-release capacity, cash available after secured debt, projected balance growth, future home value, and remaining equity.
Open calculatorBusiness-for-Self Income Estimator
Normalize two years of self-employed income, eligible add-backs, ownership, trend, averaging method, and a conservative lender haircut.
Open calculatorMortgage Penalty Calculator Canada
Compare three months of interest with an illustrative IRD and estimate the total cost to break or prepay a mortgage.
Open calculatorInterest Rate Differential Calculator
Estimate IRD using direct comparison-rate or posted-rate-discount methods and show the rate differential and monthly equivalent cost.
Open calculatorEmergency Fund Calculator Canada
Size an essential-expense reserve, measure current coverage, calculate the savings gap, and estimate time to target.
Open calculatorRent vs Buy Calculator Canada
Compare projected homeowner sale equity with a renter investment portfolio over a selected time horizon.
Open calculatorBuy vs Refinance Calculator
Compare selling and buying another home with staying, refinancing, and taking cash out by payment and projected equity.
Open calculatorDown Payment Planner Canada
Calculate the minimum and desired down payment, closing-cost reserve, projected savings, shortfall, and required monthly contribution.
Open calculatorNet Worth Calculator Canada
Build a personal balance sheet with total assets, liabilities, housing equity, liquid net worth, and leverage ratios.
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