iMC Mortgage Calculator

A simple, free mortgage calculator and planner for Canada and the USA. No account, no ads, no tracking.

Monthly, bi-weekly, accelerated and weekly payments with Canadian semi-annual compounding or US monthly compounding.

CMHC premiums for Canada, PMI estimates for the USA, and the Canadian stress test.

See interest and principal by month or by year with charts, and extra payments. Export to PDF or CSV, or email it.

Affordability, closing costs and land transfer tax, scenario compare, rent vs buy, refinance break-even, and saved scenarios.

iMC provides estimates for information only. It is not financial advice. Lenders' actual rates, fees and qualification rules may differ.