Calculate your true monthly cost of homeownership — mortgage payments, Land Transfer Tax for all 10 provinces, closing costs, and your complete household budget. All in one place, completely free.
Most mortgage calculators only show your monthly payment. The PennyJar shows your complete financial picture — so there are no surprises on closing day.
Accurate monthly principal and interest based on your purchase price, down payment, rate, and amortization period. Canadian mortgage math, done right.
Precise LTT calculations for all 10 Canadian provinces including Ontario's tiered formula, Toronto's additional municipal tax, and First Time Buyer rebates up to $8,475.
Land Transfer Tax plus legal fees — the real number you need ready on possession day. No more guessing what closing will actually cost you.
Groceries, cell phones, internet, insurance, subscriptions, entertainment — every dollar of your lifestyle included in one complete monthly picture.
One or two vehicles — loan payments, insurance, and fuel all factored in. Your real monthly nut includes getting to work, not just the mortgage.
Property tax, home insurance, utilities, natural gas, water, hydro, and maintenance fees — every cost of owning the home, not just buying it.
See your expense ratio, monthly surplus, and a visual health bar that shows at a glance whether this purchase works for your household income.
Generate a branded PDF report of your complete financial snapshot. Share it with your realtor or mortgage broker — professionally formatted with a scannable QR code.
Automatically calculates Ontario's First Time Home Buyer rebate up to $4,000 provincial and an additional $4,475 Toronto municipal rebate where applicable.
Accurate Land Transfer Tax calculations for every province — from Ontario's tiered formula to provinces with no LTT at all.
How one $500 monthly HELOC draw can simultaneously build a million-dollar portfolio, fund your children's education, pay off your mortgage early — and eliminate its own debt by year thirteen.
Learn More · Join the Waitlist →The mortgage calculator is just the beginning. A full suite of Canadian financial planning tools — one calculator at a time.
No signup. No credit card. No data collected. Just enter your numbers and get a complete picture of what homeownership actually costs — then save it as a PDF and share it with your mortgage professional.
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