Financial & Mortgage Calculators

GROW Strategy Calculator

GROW Strategy

See how converting non-deductible mortgage debt into investment-purpose debt may affect your long-term financial position.

GGrow Equity

RRestructure Debt

OOptimize Cash Flow

WWatch Money Grow

Home Value ($)

Current Mortgage Balance ($)

Mortgage Interest Rate (%)

Remaining Amortization (yrs)

HELOC / Investment Loan Rate (%)

Expected Annual Investment Return (%)

Marginal Tax Rate (%) Used only to estimate potential tax savings from deductible investment-loan interest.

Projection Period

Advanced Assumptions

Monthly Additional Cash Flow Available for Investing ($)

Reinvest Estimated Tax Refunds

Investment Management Fee (%)

Expected Annual Home Appreciation (%)

HELOC Interest Treatment

Projected GROW Advantage After 20 Years

$0

Estimated difference in financial net worth (GROW vs. Traditional). Illustrative only — not a guaranteed outcome.

Investment Portfolio

Traditional$0

GROW$0

Non-Deductible Mortgage Remaining

Traditional$0

GROW$0

Investment-Purpose Debt

Traditional$0

GROW$0

Est. Cumulative Tax Savings

Traditional$0

GROW$0

GROW — Projected Financial Position$0

Traditional — Projected Financial Position$0

Projected Difference$0

Debt Conversion Over Time

Today

Non-Deductible Mortgage$0

Investment-Purpose Debt$0

After 20 Years (GROW)

Non-Deductible Mortgage$0

Investment-Purpose Debt$0

Investment Portfolio$0

GROW Strategy Over Time

Projected financial position based on the assumptions entered.

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Projections are for illustrative purposes only and are based on the assumptions entered. Actual investment returns, borrowing costs, tax treatment and other results may differ. Investment returns and tax savings are not guaranteed.

Want to see how GROW could look with your actual mortgage? Get My Free GROW Estimate

This calculator is provided for general informational and educational purposes only. Results are estimates based on the assumptions entered and are not guaranteed. Investment returns, interest rates, tax treatment, property values, and other factors may vary. Interest deductibility depends on the use of borrowed funds and individual circumstances. This calculator does not constitute financial, investment, legal, accounting, mortgage, or tax advice. Consult qualified professionals regarding your specific situation.

Payment Schedule

See your real payment — and payoff date

Compare monthly, bi-weekly, and accelerated bi-weekly payments, and see how much interest and time an accelerated schedule can save you.

Mortgage Amount

Interest Rate (%)

Amortization

—

Monthly Payment

Bi-Weekly—

Bi-Weekly Accelerated ★—

Total interest (monthly schedule)—

Total interest (accelerated)—

Interest saved—

Time saved—

★ Accelerated bi-weekly effectively makes one extra full payment per year — often cutting 2–3 years off a 25-year mortgage.

Assumes renewal at the same rate after term ends.

#	Payment	Principal	Interest	Balance

Year	Principal Paid	Interest Paid	Balance

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Affordability Calculator

What can you afford?

See the maximum home price you qualify for based on your income, debts, and down payment, using the Canadian mortgage stress test (GDS ≤ 39%, TDS ≤ 44%).

Annual Income — Applicant 1

Annual Income — Applicant 2 (0 if solo)

Down Payment

Monthly Debt Payments car, credit cards, etc.

Interest Rate (%)

Amortization

Property Tax / Year

Heating / Month

Condo Fees / Month 0 if detached

—

Maximum Purchase Price

Qualifying rate (stress test)—

Max monthly mortgage payment—

Max mortgage amount—

GDS ratio used—

TDS ratio used—

Estimates based on standard lender guidelines. A personalized pre-approval gives you a firm number.

Get My Free Pre-Approval →

Refinance Calculator

Does refinancing make sense?

Estimate your monthly savings, break-even point, and lifetime interest reduction before deciding whether to break your current mortgage.

Remaining Balance

Current Rate (%)

Remaining Amortization (yrs)

New Rate (%)

New Amortization (yrs)

Break Penalty ($)

Legal + Appraisal Costs ($)

—

Monthly Cash Flow Gain

Current payment—

New payment—

Total costs (penalty + fees)—

Break-even point—

Lifetime interest impact—

Illustrative only. Your actual penalty may differ — I'll get you an exact break-even analysis.

Get My Free Refinance Analysis →

Debt Consolidation Calculator

Free up cash flow by consolidating

See how much monthly cash flow you free up — and how much interest you save over 5 years — by rolling high-interest debt into your mortgage.

Mortgage Balance ($)

Mortgage Rate (%)

Remaining Amortization (yrs)

Credit Card Balance ($)

Credit Card Rate (%)

Car Loan Balance ($)

Car Loan Rate (%)

Other Debt / LOC ($)

Other Debt Rate (%)

—

Monthly Cash Flow Saved

Total debt consolidated—

Current combined payment—

New consolidated payment—

5-Year interest saved—

Illustrative only. Consolidating debt into a mortgage extends the repayment period — a full analysis is recommended.

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HELOC & Home Equity Calculator

How much equity can you access?

Calculate your available home equity and maximum HELOC limit based on OSFI's 65% rule and the 80% combined loan-to-value cap.

Estimated Home Value ($)

Current Mortgage Balance ($)

HELOC Rate (%) typically prime + 0.5%

—

Max HELOC Available

Estimated total equity—

Current LTV ratio—

Interest-only payment—

OSFI Rules: Max HELOC = 65% of home value. Total mortgage + HELOC ≤ 80% of home value.

Book My Free Equity Review →

GROW Strategy

Debt Conversion Over Time

See your real payment — and payoff date

What can you afford?

Does refinancing make sense?

Free up cash flow by consolidating

How much equity can you access?

Numbers Look Good? Let's Make It Real.