Mortgage Calculators

Mortgage calculators to help make confident mortgage decisions.

Everyone has questions when it comes to their mortgage. How much can I afford? What will my payments be? What happens if I make extra payments toward my mortgage? With our free online calculators, you can estimate affordability to get realistic answers to inform every mortgage choice you make. Use the free calculators below to get started or log in to My Mortgage® for more comprehensive information based on your actual mortgage details.

Real numbers. Real confidence.


Mortgage Affordability Calculator

Buying a home or refinancing? Determine how much you can realistically afford based on your income and budget.

Mortgage Payment Calculator

Get a clear picture of your possible mortgage payments – before you choose a mortgage, if rates change and at renewal.

Prepayment Calculator

Planning to pay off part or all your mortgage early? Use our mortgage calculator to estimate the possible costs of prepaying.

HELPFUL TOOLS

Mortgage tools and resources

When you’re educated about your mortgage and have resources to keep learning, your choices become clearer. These are resources you can come back to – to help you make decisions, build your financial knowledge and manage your mortgage easily and conveniently.

A companion to the calculator

Before you decide on an amount to prepay (especially if it exceeds your annual prepayment privilege allowance), it’s important to know the charges you may need to pay and how those charges are calculated.

Prepayment charges explained

When do prepayment charges apply to you? It depends on the situation. Get familiar with when prepayment charges apply and when they don’t, so you can make an informed choice.

Rates
 
 
Updated October 29, 2026

Rates are for single-family residential mortgages. Actual rates may vary. Please contact First National toll-free at 1.888.670.2111, send us a message through your My Mortgage account or speak with your mortgage broker for further information. Rates are subject to change without notice. E. & O. E.

Calculating prepayment charges

Prepayment charges are calculated based on the type of mortgage you have.

The simple, stress-free way to manage your mortgage.


Manage your mortgage how you want, when you want. Log in to My Mortgage® at mymortgage.firstnational.ca – it’s easy to understand, easy to use and will save you time.