Mortgage & Affordability Calculator | Vince DeGuiseppe | CIR Realty
Free Tools · Vince DeGuiseppe · CIR Realty

Mortgage & Affordability
Calculators

Plan your purchase with confidence. Get instant estimates built on Canadian mortgage rules — with no sign-up required.

Calculate Your Payment

Enter your details — numbers update instantly as you type.

Property & Down Payment
Home Price Purchase price
$
Down Payment 20.0% of purchase price
$
Mortgage Details
Interest Rate
%
Mortgage Term
Amortization Period 25 years
25 yrs
Payment Frequency
Your Estimated Payment
$2,328
per month
Mortgage Principal —
Interest (this term) —
Total Interest Paid —
Balance at Term End —
Total Cost of Home —
Total Cost Breakdown
Principal —
Interest —

How Much Can You Afford?

Based on Canada's GDS/TDS qualification guidelines used by lenders. Results reflect your pre-stress-test purchasing power.

Income & Savings
Annual Household Income Gross, before taxes
$
Down Payment Available
$
Monthly Debts & Expenses
Other Monthly Debt Payments Car loans, student loans, credit cards
$
Monthly Property Tax Estimate
$
Monthly Heating Estimate
$
Condo / HOA Fees Monthly, if applicable
$
Mortgage Settings
Interest Rate
%
Amortization
Maximum Purchase Price
—
Est. monthly payment: —
Mortgage Amount —
Minimum Down Payment —
CMHC Insurance —
Monthly Gross Income —
GDS Ratio (max 39%) —
TDS Ratio (max 44%) —
🇨🇦 Mortgage Stress Test
Qualifying Rate —
Max Price (stress tested) —
Canadian lenders qualify you at your contract rate + 2%, or 5.25% — whichever is higher.
Payment Breakdown
Principal & Interest —
Property Tax —
Heat & Other —

Numbers Look Good? Let's Talk.

These estimates are a powerful starting point. I can connect you with trusted mortgage professionals and walk you through exactly what makes sense for your situation — I've been doing this in Calgary since 1992.

Call Vince Book a Free Consultation

These calculators provide estimates only and are not a commitment to lend. Calculations use Canadian semi-annual compounding as required by the Interest Act. CMHC premiums and GDS/TDS limits reflect current guidelines — confirm current rates with a licensed mortgage professional. Results do not include legal fees, home inspection, title insurance, land transfer tax, or other closing costs. Vince DeGuiseppe is a licensed REALTOR® with CIR Realty — not a mortgage broker or financial advisor.

Data is supplied by Pillar 9™ MLS® System. Pillar 9™ is the owner of the copyright in its MLS®System. Data is deemed reliable but is not guaranteed accurate by Pillar 9™.
The trademarks MLS®, Multiple Listing Service® and the associated logos are owned by The Canadian Real Estate Association (CREA) and identify the quality of services provided by real estate professionals who are members of CREA. Used under license.