Offline calculator

A mortgage calculator you can keep. Copy this into Excel or Google Sheets and change any number in column B. Everything else recalculates, so you can try other prices, rates and amortizations without coming back here. It starts with your numbers from the calculators.

1. Click Copy calculator.
2. Open a blank sheet in Excel or Google Sheets and click cell A1.
3. Paste with Ctrl+V (Cmd+V on a Mac).
4. Change the numbers in column B. Type rates as 4.84% or 0.0484.

Examples use your numbers from the interactive calculators: loading….

The monthly payment appears twice: once with the longhand formula and once with the PMT shortcut, so you can check they match. If everything lands in one column, select it and use Data > Text to Columns, then choose Tab. Fixed rates compound twice a year and variable rates monthly, the way Canadian lenders calculate them. The insurance premium rates in the sheet's notes (4%, 3.1% and 2.8%) are explained in the insured vs uninsured chapter of Rates Explained: Mortgages.