Paste any Canadian listing URL.
Get your full mortgage breakdown.
Copy a listing URL from Realtor.ca, Zolo, or MLS and paste it below. In seconds you'll see your estimated monthly payment, whether you pass the stress test, CMHC insurance costs, land transfer tax, and everything you need to know before making an offer.
Why Smart Mortgage Calculator
Real Canadian Math
Semi-annual compounded interest, OSFI stress test, and provincial land transfer tax — calculated the way your bank actually does it.
Full Cash-to-Close
Down payment, BC PTT or Ontario LTT, legal fees, title insurance, inspection — every dollar required at closing.
Affordability First
GDS-based scoring tells you if a home fits your income, and what household income you'd need to qualify comfortably.
Learn the Canadian mortgage market.
From CMHC insurance to the OSFI stress test, our guides break down what really matters.
Browse GuidesHow Smart Mortgage Calculator works
From listing URL to full financial picture in three steps
Find a listing you love
Browse any Canadian real estate site — Realtor.ca, Zolo, or MLS. When you find a property you are interested in, copy the full URL from your browser address bar.
Paste the URL and analyze
Paste the listing URL into Smart Mortgage Calculator and click Analyze Now. Our system automatically extracts the property price, location, and details from the listing in seconds.
Get your complete financial picture
Instantly see your estimated monthly payment, stress test result, CMHC insurance costs if applicable, provincial land transfer tax, and full closing cost estimate — everything your bank calculates but rarely shows you upfront.
Frequently asked questions
Everything you need to know about Smart Mortgage Calculator
About Smart Mortgage Calculator
Built for Canadian home buyers
Smart Mortgage Calculator was built specifically for the Canadian real estate market. Unlike generic mortgage calculators, we account for the rules that actually matter in Canada — the OSFI stress test, CMHC mortgage insurance premiums, provincial land transfer taxes (including Toronto's double land transfer tax), and semi-annual compounding. Whether you are a first-time buyer in Toronto trying to understand if you can afford a condo, an investor in Calgary analyzing rental property cash flow, or a family in Vancouver planning your next move — Smart Mortgage Calculator gives you the complete financial picture in seconds, for free.
Our calculations follow the same formulas used by Canadian banks and mortgage brokers, including the GDS and TDS ratios that determine whether you qualify, the OSFI minimum qualifying rate for the stress test, and accurate provincial tax rates for all 10 provinces.
Smart Mortgage Calculator is free to use with no sign-up required. We are committed to helping Canadians make more informed real estate decisions.