Calculators
Mortgage calculators for self-employed and strategy-focused borrowers.
Use these tools to estimate qualification ranges, compare tax-strategy scenarios, and move from rough estimates to lender-ready decisions.
Pick the calculator that matches your next decision
Each calculator is built for a specific decision point. If you are self-employed, start with income and qualification tools. If you are planning tax strategy moves, use the Smith and cash damming tools first, then confirm implementation details with a guided review.
Self-employed qualification calculators
For business owners planning purchases, refinances, and renewal strategy
Self-Employed Mortgage Income Optimizer
Reverse-engineer the income you may need to declare to qualify. Model salary vs dividend mixes, add-backs, and lender pathway scenarios before your filing cycle.
Related guide: salary vs dividends for mortgage qualification.
Open Income OptimizerSelf-Employed Mortgage Calculator
Estimate how much mortgage you could qualify for as a self-employed borrower using lender-style debt-service assumptions and income treatment rules.
Related guide: what income to claim as a business owner.
Open Self-Employed Mortgage Calculator
Tax strategy calculators
For homeowners comparing Smith Manoeuvre and cash damming paths
Smith Manoeuvre Calculator
Model readvanceable mortgage scenarios and compare traditional vs strategy-driven outcomes before committing to a structure.
Related guide: what is the Smith Manoeuvre in Canada.
Open Smith Manoeuvre CalculatorCash Damming Calculator
Estimate how redirecting rental cash flow and borrowing for expenses could affect your interest profile and implementation feasibility.
Related guide: cash damming in Canada for rental properties.
Open Cash Damming CalculatorTax-Deductible Mortgage Strategy
Compare strategy options at a higher level before choosing a calculator path: Smith Manoeuvre, cash damming, and related borrowing structures.
Related page: tax-deductible mortgage strategies in Canada.
View Strategy Service Page
Qualification and planning tools
Broader calculators for purchase and construction planning
Standard Mortgage Affordability Calculator
Estimate how much mortgage you might qualify for using your total household income, existing debts, and current interest rates—based on common Canadian lender guidelines.
Open standard mortgage calculatorCash Damming Calculator
For Canadian homeowners with rental properties, this calculator simulates how the cash damming strategy can convert personal mortgage debt into tax-deductible investment debt, accelerating your path to mortgage freedom.
Open Cash Damming CalculatorConstruction Financing Calculator
Estimate cash required at closing, peak cash between draws, and compare construction financing paths across conventional, private, and insured branches.
Open Construction Financing CalculatorMortgage Paydown vs Invest (Coming Soon)
A calculator to compare paying extra on your mortgage versus investing those funds, based on your assumptions around returns and rate environment.