Free calculators for mortgages, loans, investing, retirement, taxes, and financial planning — built for Canada and the USA.
Showing 5 Mortgage calculators
Canadian Mortgage Calculator
Monthly payments, CMHC insurance, semi-annual compounding, GDS/TDS ratios, and a full amortization schedule.
Mortgage Qualifier Calculator
Find out exactly how much mortgage you qualify for in Canada (GDS/TDS + B-20 stress test) or the USA (28/36 rule).
CMHC Insurance Calculator
Calculate your CMHC mortgage insurance premium for Canadian home purchases below 20% down payment.
Rent vs. Buy Calculator
Compare the true long-term cost of renting versus buying a home in your market.
Mortgage Refinance Calculator
Find out if refinancing your mortgage makes financial sense and how long until you break even.
FinCalcSmart offers 23 free financial calculators for residents of Canada and the USA. Every calculator includes AI-assisted analysis to help users understand their results, not just see the numbers. From mortgage payments and retirement planning to income tax estimates and investment growth, these tools cover key personal finance decisions.
All calculators are educational estimates only. Results do not constitute financial, tax, legal, or investment advice. For official tax calculations, consult the CRA in Canada or the IRS in the USA.