Mortgage Calculators for Calgary Home Buyers

Five free tools to plan your Calgary home purchase — payments, affordability, prepayments, closing costs, and rent-vs-buy. All math uses Canadian semi-annual compounding.

Mortgage Payment Calculator

Home price ($)

Down payment ($)

Down payment is a %

Annual interest rate (%)

Amortization (years)

Payment frequency

How Much Can I Afford?

Gross annual household income ($)

Down payment available ($)

Contract mortgage rate (%)

Amortization (years)

Annual property tax ($)

Monthly heating ($)

Monthly condo fees ($)

Other monthly debts ($)

Prepayment Savings Calculator

Mortgage balance ($)

Annual interest rate (%)

Remaining amortization (years)

Payment frequency

Extra per payment ($)

Annual lump sum ($)

Lump-sum month (1–12)

Alberta Closing Cost Estimator

Good news: Alberta has no land transfer tax — one less closing cost than buyers face in Ontario or BC.

Purchase price ($)

Down payment ($)

Down payment is a %

Home inspection (~$500) Appraisal (~$350) Moving (~$1,000)

Rent-vs-Buy Analyzer

Should you keep renting or buy? Our analyzer compares the true year-by-year cost of both paths — mortgage, taxes, maintenance, rent inflation and the opportunity cost of your down payment — and finds your breakeven year.

Open the Rent-vs-Buy Analyzer

Thinking about buying in Calgary? Request a buyer's specialist for honest, local advice — or contact Ray directly.