Calculators
Simple calculators to support strategy decisions.
Quick tools to estimate payments, compare paydown vs invest scenarios, and explore Smith Manoeuvre and tax‑efficient strategies.
Available & upcoming tools
Self-Employed Mortgage Income Optimizer
A strategic tool that reverse-engineers your mortgage approval to show you exactly how much income you need to declare to qualify for the loan you want.
Open Income OptimizerStandard 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 CalculatorSmith Manoeuvre Calculator
Explore how a readvanceable mortgage and investment loan can change your long‑term numbers. The full calculator experience will live here; for now, you can read the in‑depth guide and use the existing calculator on the legacy site.
Open Smith Manoeuvre pageMortgage 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.