Financial
Engineering.
Don't guess with your wealth. Use our institutional-grade engines to model your mortgage costs, penalties, and tax-exempt investment strategies.
Real Estate & Mortgages
Acquisition & Debt Strategy
Reverse Mortgage (55+)
Calculate your tax-free equity release. No monthly payments required. Safe & regulated.
Mortgage Payment
The gold standard. Calculate monthly payments with accurate CMHC premiums and stress-test analysis.
Smith Maneuver™
Turn your mortgage interest into a tax deduction. Model the transformation of Bad Debt to Good Debt.
Affordability
Determine your maximum purchase price based on income, debts, and current stress-test rules.
Penalty Estimator
Don't break blindly. Calculate IRD vs 3-Month Interest penalties instantly before you refinance.
Land Transfer Tax
Calculate Ontario and Toronto LTT. Automatically applies First-Time Home Buyer rebates.
HST Rebate Calculator
Calculate exact New Build & NRRP investor rebates in Ontario. Avoid closing day surprises.
Closing Costs
Estimate total cash to close, including Legal Fees, Title Insurance, and the hidden PST on CMHC.
Down Payment
Calculate minimum requirements (5% vs 20%) and visualize the impact on your monthly payment.
Renewal Estimator
Compare your bank's renewal offer against market rates. See how much switching could save you.
Refinance / Equity
Calculate savings by consolidating high-interest debt (credit cards) into your mortgage.
Trigger Rate
For Variable Rate holders. Find the exact interest rate where your payment stops covering principal.
Wealth Strategy
Tax-Exempt Planning
Universal Life
Model the "Corporate Insured Annuity". Calculate how to grow retained earnings tax-exempt and transfer them to your estate tax-free.
Open ModelEstate Savings
See exactly how much your estate saves by bypassing the 1.5% Probate Tax. Compare Mutual Fund returns vs. Segregated Fund guarantees.
Open ModelWhy Accuracy Matters
Most online calculators use simple U.S. formulas. In Canada, mortgages compound semi-annually, not monthly. Using a U.S. calculator can skew your payments by hundreds of dollars per year. The IndiBrick Engine is built specifically for the Canadian Interest Act, ensuring your numbers match what you see on your official commitment letter.