SBUYERS · HOMEOWNERS · RENEWAL · Mortgage budget calculator
Can your budget survive the next rate hike? Run the shock.
Model a renewal at a higher rate plus a municipal tax bump. Get a 10-100 Stress Safety Score and a band: Resilient / Stable / Caution / Fragile.
Your numbersUpdates as you change them
$420,000
What you'd pay (or already paid)
10% · $42,000
4.8%
Today's BoC target: 4.8%
+2.00%
Typical renewal stress test: +2.00%
$7,200/mo
After-tax take-home
+$75/mo
Municipal tax bump, condo fee hike, etc.
Your resultCalculated now
Stress Safety Score · Stable
85 / 100
Budget absorbs the shock with room to spare
Base payment (today)$2,166/mo
Stress payment$2,624/mo
Mortgage delta+$458/mo
Total monthly squeeze+$533/mo
% of net income7.4%
Stress-test rate6.8%
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