Loans & Credit

Canadian Student Loan Payment Calculator Calculate monthly payments on a Canadian Student Loan. Federal portion is interest-free since 2023; provincial portions may still charge interest. Run → Debt-to-Income Ratio Calculator Calculate your GDS and TDS ratios the way Canadian lenders do. GDS ≤ 39% and TDS ≤ 44% are the CMHC thresholds… Run → Credit Card Payoff Calculator See how long minimum payments will take vs a fixed monthly payment. The minimum-payment trap explained with real numbers. Run → Debt Consolidation Calculator Compare multiple high-interest debts against a single consolidation loan. See if consolidating actually saves money or just stretches payments. Run → HELOC Payment Calculator Compare HELOC interest-only minimum payments with a targeted payoff schedule. See the true cost of carrying a Home Equity Line of Credit. Run → Canadian Auto Loan Calculator Calculate your Canadian auto loan payment with provincial sales tax handling and trade-in value logic. Supports all 10 provinces and 3 territories. Run → Canadian Personal Loan Calculator Calculate the true cost of a Canadian personal loan including origination fees. Compare rates and total cost of borrowing across offers. Run → Mortgage Stress Test Calculator Test whether you qualify under OSFI B-20 at the stress-tested rate. Uses GDS ≤ 39% and TDS ≤ 44% at the higher… Run → CMHC Mortgage Insurance Premium Calculator Calculate your CMHC mortgage default insurance premium based on loan-to-value ratio. Includes 30-year amortization surcharge and self-employed premium tier. Run →