Put a Canadian mortgage calculator on your website
Free for mortgage brokers, agents, brokerages and anyone writing for Canadian buyers. Copy one snippet and your visitors get a payment calculator that does the maths the way a lender does — semi-annual compounding, the CMHC premium capitalised into the loan, and the stress test payment spelled out beside the real one.
- No fee, no sign-up, no API key
- Correct Canadian maths, not a US formula
- CMHC premium and minimum down payment built in
- Shows the stress test payment lenders qualify on
- No cookies and no tracking of your visitors
- Your accent colour and default rate
Build your embed code
Pick your options, copy the snippet, paste it into your page. That is the whole installation.
Set it to the rate you are quoting. Visitors can change it.
Which schedule the widget opens on.
Match the buttons and the headline figure to your brand colour.
Embed code
The height attribute is only a fallback for the first paint and for the rare page that strips scripts — the loader resizes the frame to its exact content as soon as it runs.
Preview
Exactly what your visitors will see, live as you change the options above.
Mortgage Payment Calculator
monthly, 12 payments a year
- Mortgage before insurance
- $835,000
- CMHC insurance premium (92.8% LTV)
- +$33,400
- Total mortgage
- $868,400
- Total interest over the amortization
- $573,508
Stress test: a federally regulated lender qualifies you at 6.50% — the greater of your rate plus 2% or 5.25% — so you must show you could carry $5,816.75 a month, not the payment above.
Estimate only, for planning purposes. Principal and interest on a fixed rate compounded semi-annually; property tax, condo fees, heat and home insurance are not included. Your lender's figure governs.
Stress test and insurance rules current August 2026 — Canadian Mortgage Payment Calculator by RealEstateHQ
How to install it
- 1
Copy the snippet above
It is three parts: the iframe that renders the calculator, a credit line, and a small loader script that keeps the frame at exactly the right height.
- 2
Paste all three lines into your page
Keep them together and keep them in that order. Dropping the script only costs you the auto-sizing; dropping the credit line is the one thing that is not allowed.
- 3
Publish and check it on a phone
The widget is fluid to the width of whatever container you put it in, so give it room — a full-width content column looks best.
Where the snippet goes
| Platform | What to do |
|---|---|
| WordPress | Add a Custom HTML block where you want the calculator, then paste the snippet in. In the classic editor, switch to the Text tab first. |
| Squarespace | Insert a Code block and paste the snippet. Leave the block set to HTML and untick “Display Source Code”. |
| Webflow | Drag in an Embed element, paste the snippet, then publish — embeds only run on the published site, not in the designer. |
| Wix | Add → Embed Code → Embed HTML, choose Code, and paste the snippet. Stretch the container to full width. |
| Hand-written HTML | Paste it wherever the calculator should appear. Nothing needs to go in the <head>. |
Terms of use
- Free to embed on any site, commercial or not, on as many pages as you like.
- Keep the credit line visible on the page, in your own HTML, linking to the Canadian Mortgage Payment Calculator. You may reword it.
- Do not modify the widget, proxy it through your own domain, or present it as your own tool.
- We may change the figures, wording and design of the widget without notice — that is the point of hosting it here rather than handing you a copy.
- The calculator is an estimate for planning purposes, not legal, tax or mortgage advice, and is offered without warranty. Neither you nor your visitors should rely on it in place of a professional's figures.
- We can ask you to remove it if any of the above is not being followed.
Common questions
How is this different from the mortgage calculator my CRM gives me?
Most calculators on the market compound monthly, which is the US convention. Canadian fixed-rate mortgages are compounded semi-annually under section 6 of the Interest Act, and a monthly-compounding formula overstates the payment by a few dollars a month — enough that a client notices when the lender's number comes back different. This one uses the Canadian formula, and it also folds in the CMHC premium and the stress test, which most embeddable calculators leave out entirely.
Does it handle accelerated bi-weekly payments?
Yes, and it shows what they actually buy you. Accelerated bi-weekly is the monthly payment halved and paid 26 times a year, which puts an extra month of payments against the principal annually. The widget shows the shortened amortization and the interest saved against a monthly schedule.
Is the stress test included?
It is shown separately, as a note. The widget calculates the payment at the rate your visitor enters, then tells them a federally regulated lender will qualify them at the greater of that rate plus 2% or 5.25%, and what that payment would be. It does not attempt a GDS/TDS ratio, which would need the visitor's income and debts.
Does it track my visitors or set cookies?
No. The embedded widget excludes our analytics, our cookie banner and any third-party scripts. Everything is calculated in the browser and nothing is sent anywhere, so it needs no consent banner of its own.
What is not included in the payment?
Principal and interest only. Property tax, condo fees, heat and home insurance are excluded, and the widget says so on its face. That is deliberate — a payment figure that quietly bundles estimated taxes is the one clients argue about later.
Who keeps it up to date?
We do. The stress test floor, the CMHC premium bands and the minimum down payment rules are maintained at the source, so when a rule changes your embedded copy changes with it. There is nothing to re-paste.
Looking for a different tool? See every calculator you can embed. Prefer to just use this one yourself? It lives at Canadian Mortgage Payment Calculator.