Free teacher tools

Run your own numbers

Live calculators built for how teachers get paid. Move a slider and watch it update. No sign-up, nothing saved.

CalculatorHandles occasional & LTO income

What can a teacher afford?

Switch to occasional or LTO and it uses a two-year-average income, the way a lender does.

Gross annual income
Household, before deductions.
Down payment saved
Other annual income
Summer school, night school, coaching, or tutoring you declare on your tax return.
Other monthly debt payments
Car, cards, lines of credit, student loans.
Rate4.79%
Amortization
Estimated home price
$366,425
with $60,000 down
Mortgage you qualify for$306,425
Estimated payment / month$1,746
Stress-test rate used6.79%

Estimate only, using total-debt limits and the stress test. Your real number depends on the lender and your full file, which is exactly what we do for free.

CalculatorRenewing or refinancing

Lower your rate

See what a better rate does to your monthly payment before your bank's renewal letter decides for you.

Mortgage balance
Your current rate5.49%
A rate you could get4.49%
Remaining amortization

Compares the monthly payment at each rate over the same amortization. It does not include any penalty to break an existing term, which we work out with you before you switch.

You could save
$256 / mo
$3,072 a year
Current payment$2,744
New payment$2,488
Over a 5-year term$15,361
The grader

Grade your mortgage, A+ to F

Our teacher grader checks your current mortgage against today's market in about two minutes and tells you, honestly, where you stand and what it could be costing you.

Grade my mortgage
A+
Your mortgage grade
A+ to F, in 2 minutes, free
Today’s rate vs what you’re paying
What it could be costing you
Whether switching is worth it

Numbers look good? Let's make them real

A free, honest review of your situation as an Ontario teacher.

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