Practical tools. Clearer decisions.
Make room for your numbers.
Three ways to understand the financial side of your next move.
Make the numbers useful
Try a scenarioChange the example figures to explore your own plan.
Understand the scopeCheck the assumptions alongside your estimate.
Keep it privateInputs stay in this page. No account, saving or submission.
Mortgage payment calculator
See the monthly payment, interest and balance for a loan amount and rate.
Try the calculator 02 / Cash to beginDown payment calculator
Compare the minimum down payment with your savings and a 20% down payment.
Try the calculator 03 / Purchase costsBC property transfer tax calculator
Estimate the general tax on an entirely residential BC property, before exemptions.
Try the calculatorFrom an estimate to a plan.
Use these tools to prepare better questions. For borrowing eligibility, use the The Government of Canada Mortgage Qualifier Tool and speak with a mortgage professional.
The tools run in your browser. No calculator entries are saved or sent to Stone Group Real Estate Team.
Use them together
From a price to a plan in four steps.
Each calculator answers one question. Used in order, they give you a fuller picture.
Check your down payment
Start with the minimum for your price range and compare it with your savings.
Estimate the payment
Try a few rates and amortization periods to see the monthly range.
Add transfer tax
Estimate the general property transfer tax before any exemption.
List the other costs
Add legal fees, adjustments, insurance, inspections and moving.
What estimates leave out
The costs that sit outside a calculator.
A calculator handles one formula. Your real monthly and closing costs include more.
- Property tax and home insurance
- Strata fees and possible special levies
- Mortgage default insurance premiums where they apply
- Legal or notary fees and adjustments
- GST on some new homes
- Moving, utilities and a maintenance reserve
Calculator questions
Using the numbers well.
The tools are planning aids. A lender, lawyer or accountant confirms the real figures.
Is the result a pre-approval?
No. A calculator estimate does not consider your credit, income verification or the lender’s rules. Speak with a mortgage professional for an approval.
Which interest rate should I use?
Try a rate your lender quotes, then test a higher one. Seeing the range helps you plan for changes at renewal.
Are my numbers saved?
No. The calculators run in your browser. Nothing you enter is saved or sent to Stone Group Real Estate Team.