Canadian mortgage math built in

Mortgage calculator that actually speaks Canadian.

Semi-annual compounding, CMHC insurance, stress test, accelerated bi-weekly, early payoff savings, and exportable amortization data in one browser-only tool at inxs.live/mortgage.

Semi-annual Mortgage compounding matches the Canadian standard.

CMHC aware Premium rate, insurance warning, and amortization cap built in.

Stress tested Qualifying payment auto-calculated at the higher rule.

Setup

Loan details

Loan type Payment frequency Interest rate

%

Amortization

yrs

Mortgage inputs

Home price

$

Down payment amount

$

Down payment percent

%

First-time buyer New build

Loan amount

$

Early payoff

Prepayment plan

Extra payment per period

$

Annual lump sum

$

Rules

Canadian rule snapshot

Compounding

CMHC Insurance

Stress Test

Warnings

Estimate only. Lenders and insurers can apply additional underwriting rules, taxes, and product-specific conditions.

Visual

Principal vs interest by year

Principal Interest

Schedule

Amortization table