Mortgage & Debt Calculators

Ideal for: Budgeting · Home buying · Debt strategy · Goal-based planning

Make Borrowing Smarter—Not Just Easier

Mortgages, loans, and debt can feel overwhelming—but they’re also a key part of your client’s financial picture. FreshPlan’s mortgage and debt calculators help you turn stress into strategy, offering clear, visual tools to guide smarter borrowing decisions, whether your client is buying their first home, refinancing, or paying down debt.

Support confident conversations about affordability, trade-offs, and long-term impact—all without spreadsheets or stress.

Key Mortgage and Debt Calculators

Each calculator is Snackable, Stackable, and Adaptable—ideal for early planning sessions, family strategy meetings, or annual financial reviews.

Loan Calculator
Estimate payments, interest, and total costs over time for personal loans, car loans, or other structured borrowing.

Mortgage Calculator
Model mortgage payments based on loan amount, interest rate, amortization period, and payment frequency.

Mortgage Affordability
Help clients determine how much house they can reasonably afford, based on income, debt ratios, and lender guidelines.

High Ratio Mortgage Insurance
Estimate the cost of mortgage default insurance (CMHC, Sagen, or Canada Guaranty) for high-ratio buyers with less than 20% down.

Mortgage Cashback
Explore the pros and cons of cashback mortgages—how much clients receive upfront and what it really costs over time.

Pay Down Debt or Invest
Help clients weigh the long-term benefits of investing extra funds versus using them to reduce debt.

Debt Consolidation
Compare current debts with a consolidation scenario to illustrate savings on interest, payment simplification, and timelines.

Paying Down Debt infographic on screen

Client-Ready Visuals and Infographics

Borrowing decisions involve big numbers—our visuals make them easier to digest. Use them to:

  • Compare mortgage options
  • Show debt timelines and costs
  • Explain insurance premiums
  • Highlight savings from consolidation

Support Smarter Portfolio Conversations

FreshPlan’s borrowing and debt tools are perfect for:

  • Homebuyer planning sessions
  • Debt reduction strategies
  • Client budgeting conversations
  • RRSP vs. mortgage trade-offs
  • Refinancing or loan consolidation reviews

They’re fast, intuitive, and designed to guide confident, goal-aligned decisions.

Why Advisors Choose FreshPlan for Debt and Mortgage Planning

  • Simplifies borrowing conversations with visuals, not jargon
  • Builds trust by exploring—not pushing—options
  • Helps clients align borrowing with bigger financial goals
  • Brings structure to debt reduction or homebuying plans

Calculator Features

  • Quick Plan Templates
    Use starter scenarios like first-time homebuyer, mortgage renewal, or debt cleanup.

  • Modular Planning
    Pick and use only what’s relevant—no need to run a full cash flow plan every time.

  • Scenario Modeling
    Adjust interest rates, amortization, and lump sum payments to show different strategies.

  • Client-Ready Reports
    Convert calculator outputs into clear visuals and take-home summaries.

  • Secure Sharing
    Let clients try scenarios independently to increase comfort and engagement.

  • Visual Dashboards
    Present key metrics like monthly payments, interest savings, or insurance premiums at a glance.