Mortgage Payment Shock Calculator (Canada)

See how much your payment changes when you renew from a pandemic-era rate — and how to plan for it

Shop around for better rates. Even 0.5% can save hundreds monthly.

Stretching your amortization can reduce monthly payments significantly.

Reduce your balance before renewal to lower future payments.

Our mortgage advisors can help you plan your 2026 renewal with confidence.

Calculate your mortgage payment increase at a 2026 renewal: how much more you'll pay moving from pandemic-era rates to today's rates, and how to plan for it.