Calculators
Mortgage refinance calculators for Canada
Seven free calculators on one engine and one set of dated rules: the break, blend or stay comparison, the prepayment penalty both ways lenders count it, your new payment, break-even, switching at renewal, blend-and-extend and debt consolidation. Nothing you type leaves your browser.
Break, blend or stay?Four routes over the same time frame, with the real penalty, fees, break-even month and the rate you'd need.Open →Mortgage penalty calculatorThree months' interest or the IRD, worked out with both lender methods.Open →Refinance payment calculatorNew payment, interest over the term and to payoff, and the amortization reset.Open →Refinance break-even calculatorMonths until the interest saved pays back the penalty and fees.Open →Switch lenders at renewal calculatorRenewal offer vs a better rate elsewhere, after switching costs.Open →Blend-and-extend calculatorYour estimated blended rate, against breaking and waiting.Open →Debt consolidation refinance calculatorCash flow freed and interest three ways when debt goes into the mortgage.Open →