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Mortgage & Loan Calculator | World Utility Hub

Mortgage & Loan Calculator

Calculate your monthly payments, total interest, and full amortization schedule. Supports Canada, USA, UK & Australia.

How It Works

Everything you need to know about using this calculator

This mortgage and loan calculator helps you understand the true cost of borrowing before you commit. Whether you're buying a home in Canada, the USA, the UK, or Australia, simply select your country at the top to automatically adjust currency symbols, terminology, default loan terms, and relevant insurance fields.

Home Price & Down Payment: Enter the full purchase price of the property. Your down payment can be entered as a dollar amount or a percentage — both fields sync automatically. A higher down payment reduces your loan amount and typically eliminates mortgage insurance requirements.

Interest Rate & Term: The interest rate is your annual rate (not monthly). The amortization period is how many years until the mortgage is fully paid off — 25 years is the Canadian standard; 30 years is common in the US and Australia.

Principal & Interest vs Total Monthly Out-of-Pocket: The P&I figure is your core mortgage payment. Your Total Monthly Out-of-Pocket adds property tax, home insurance, mortgage insurance, and HOA/strata fees. This is the real number to budget for.

Canadian users — CMHC: If your down payment is less than 20%, CMHC insurance is automatically calculated at 2026 rates: 4.00% (5–9.99% down), 3.10% (10–14.99% down), and 2.80% (15–19.99% down).

US users — PMI: Estimated at ~0.75% annually when down payment is below 20%. Can typically be cancelled once you reach 20% equity.

🇨🇦 Stress Test: Enable the toggle to see the Bank of Canada qualifying rate — your contract rate + 2% or 5.25%, whichever is higher.

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Frequently Asked Questions

Common questions about mortgages, loans & this calculator

What is included in a total monthly mortgage payment? ▼
A full monthly mortgage payment includes: Principal (reduces your loan balance), Interest (cost of borrowing), property Taxes, and Homeowner's Insurance. If your down payment was under 20%, you also pay Mortgage Insurance (CMHC in Canada, PMI in the US, LMI in Australia). HOA/strata fees are additional if applicable.
What is CMHC mortgage default insurance and do I need it? (Canada) ▼
CMHC insurance is required when a Canadian homebuyer puts down less than 20%. The premium is: 4.00% for 5–9.99% down, 3.10% for 10–14.99% down, and 2.80% for 15–19.99% down. It is typically added to your mortgage balance.
What is PMI and when can I cancel it? (USA) ▼
Private Mortgage Insurance is required when your down payment is below 20%. It typically costs 0.5–1% annually. You can request cancellation when your loan-to-value reaches 80%, and lenders must automatically cancel it at 78%.
What is the Canadian mortgage stress test? ▼
The stress test requires all borrowers to qualify at the higher of their contract rate + 2%, or 5.25%. This reduces your maximum borrowing amount. Enable the Stress Test toggle in the calculator to see your qualifying rate.
Is it better to put more money down on a house? ▼
Generally yes — a larger down payment reduces your mortgage, lowers monthly payments, saves significant interest, and typically eliminates mortgage insurance. Don't drain your savings completely though; you need cash for closing costs and emergencies.
What is an amortization schedule and how do I read it? ▼
An amortization schedule shows every payment over the life of your mortgage — the payment number, date, amount going to principal, amount going to interest, and remaining balance. In early years most of each payment is interest. Toggle between monthly and yearly views above the table.