🏠 Canadian Mortgage Calculator
Calculate your mortgage payments with CMHC insurance & land transfer taxes
2026 rates • All provinces • Accurate calculations
📊 Mortgage Details
🏡 Why Use This Calculator?
- ✓CMHC Insurance: Automatically calculates mortgage insurance if your down payment is less than 20%
- ✓Land Transfer Tax: Accurate calculations for all Canadian provinces and territories
- ✓Payment Options: Compare monthly, bi-weekly, and weekly payment schedules
- ✓Amortization Schedule: See your principal vs interest breakdown year by year
📋 Understanding CMHC Insurance
Required when down payment is less than 20%
5-9.99% down
4.00%
10-14.99% down
3.10%
15-19.99% down
2.80%
20%+ down
0.00%
💡 Home Buying Tips
- •Aim for 20% down payment to avoid CMHC insurance
- •Budget for closing costs (2-4% of home price)
- •Consider accelerated payment frequencies to save on interest
- •Get pre-approved to know your borrowing power
- •First-time buyers may qualify for provincial rebates
Every Tool You Need,
In Your Pocket
From your budget to your bills to your habits, Boon Tools brings the home admin together: no bank login, no ads.
Reminder
Type "call Mom tomorrow at 3pm" and it works. Natural language, calendar view, smart notifications.
To Do
Brain-dump everything, then put one task on screen when the list gets loud. Natural language capture.
Habit Tracker
Time-blocked routines with streaks and sensor automation — not another guilt list.
ADHD Mode
One switch adds Flow Mode, Body Double, transition warnings and a got-derailed reset across the tools.
Across 4 ToolsWork Flow
Projects and tasks with Kanban boards, time tracking and custom fields.
Mortgage Calculator
Canadian mortgages with CMHC, land transfer tax, and full amortization by province.
Free Web ToolTax Calculator
2026 federal and provincial tax brackets. See take-home pay across all provinces.
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50/30/20 automatically, plus net worth, debt payoff and a month-end forecast. No bank login.
Web + AppExpense Splitter
Split bills with friends and family. Track who owes what and settle up easily.
