Use the left side to estimate your mortgage and housing costs. Use the right side to map out your monthly income and other bills. The tool combines both to show an estimated surplus or shortfall and how much of your income is going to housing and debt.
Enter a sample home price, down payment, interest rate, and other housing costs. Mortgage default insurance (CMHC, etc.) is automatically estimated if your down payment is under 20% of the home price.
This calculator is for education only. It does not enforce official minimum down payment rules or lender guidelines and should not be relied on for approval decisions.
Add your household income and other bills. The tool combines these with your estimated housing costs to show a simple budget snapshot and some common guideline ratios.
This budget view is a simplified snapshot. It does not replace a full financial plan or individual advice, but it can help you see how a particular home price and payment might fit with your broader lifestyle.