Mortgage Calculators
for Where You Live
Country-specific mortgage tools for the US, Canada, and Australia. Each calculator uses the rules your lenders actually apply — DTI in the US, GDS/TDS + CMHC in Canada, APRA serviceability in Australia.
Mortgage Calculator
Monthly payment with principal, interest, taxes, insurance, HOA, and PMI.
Affordability Calculator
How much house can you afford? DTI analysis using the lender 28/36 rule.
Refinance Calculator
Monthly savings, break-even point, and lifetime interest savings from refinancing.
Rent vs. Buy Calculator
True long-term cost comparison: renting vs. buying over 1–30 years.
Loan Calculator
Monthly payments and full amortization for personal, auto, or student loans.
Mortgage Comparison
Compare two loan scenarios side-by-side: rate, term, cost, and break-even.
United States — Live Rates
Updated Apr 16, 2026 — FRED / Federal Reserve
Canada — Reference Rates
Apr 2026 — Bank of Canada / major banks
Australia — Reference Rates
Apr 2026 — RBA / major banks (CBA, ANZ, NAB, WBC)
Mortgage Calculator by Location
Each page is pre-filled with local prices, rates, and tax data for that region.
Featured US States
By Annual Income (28% DTI Rule)
Different Countries, Different Rules
Mortgage qualification rules vary significantly between countries. Our calculators apply the correct framework for each market.
United States
Front-end 28% (PITI), back-end 36% (all debts)
Private Mortgage Insurance required < 20% down; cancels at 80% LTV
30-year fixed the dominant product; 15-year also common
30yr, 15yr, prime, and fed funds updated weekly
Canada
Gross Debt Service and Total Debt Service ratios instead of US DTI
Must qualify at contract rate + 2% (currently ~7.24%)
2.80–4.00% of loan added to balance; required < 20% down
25-yr amortization standard; 30yr available for some buyers from 2024
Australia
Lenders assess repayment at rate + 3% (currently ~9.24%)
Required when LVR > 80%; protects the lender, not the borrower
State-specific transfer duty — can add tens of thousands to purchase cost
Standard variable rate the dominant product; follows RBA cash rate
Professional-grade tools. Completely free.
Built for home buyers who want accurate numbers, not approximations — across all three markets.
Instant Results
All math runs in your browser. Results update in real time as you type — zero page reloads.
Full Amortization
Complete month-by-month payment schedule for every loan — exportable and paginated.
Country-Specific Rules
US DTI, Canadian GDS/TDS + CMHC stress test, Australian APRA buffer — each calculator applies the correct framework.
Local Market Data
50 US states, 13 Canadian provinces, and 8 Australian states/territories — each pre-filled with local prices and tax rates.
Shareable Results
Inputs are encoded in the URL — share your exact calculation with a single link.
Private & Free
No account required. All calculations run locally. Your data is never sold or stored.
Disclaimer: CalcRight calculators are for informational and educational purposes only. Results are estimates and do not constitute financial, legal, or tax advice. Canadian and Australian reference rates are periodically updated estimates — always verify current rates with your lender. Consult a licensed mortgage professional before making borrowing decisions.