Free calculators built for medical residents, practising physicians, dentists, vets, and optometrists. Projected income, PLOC strategies, and real Canadian math.
Uses your projected income, career stage, student debt, PLOC balance, and optional partner income. The only Canadian calculator that models how lenders actually qualify physicians.
Open calculatorPick your city, years left in training, and whether you plan to stay. Models your income jump and shows exactly when buying beats renting for your situation.
Open calculatorYour mortgage gets a report card from A+ to F, graded against physician-specific rates. See how your current deal stacks up against what's actually available to you.
Grade my mortgageShould you prepay your mortgage or invest through your PLOC? Compare after-tax borrowing costs, break-even returns, and see the five-year net difference.
Open calculatorModel a rental property purchase with real Canadian math. After-tax cash flow, cap rate, PLOC strategy for your down payment, qualification impact, and year-by-year projections for 14 cities.
Open calculatorEstimate your mortgage penalty before calling your lender. Covers IRD, posted rate differentials, and the fine print for major Canadian banks.
Open calculatorCompare fixed and variable rates across Bank of Canada scenarios. See which one wins over your full term, not just today.
Open calculatorSee how extra payments could save you thousands and chop years off your mortgage. Live chart with real Canadian semi-annual compounding math.
Open calculatorThe general rent vs buy calculator with CMHC insurance, land transfer tax, FHSA, and investment growth over 5 to 25 years. Works for anyone.
Open calculatorPhysician programs shift differently from the market — projected income thresholds, PLOC treatment, lender-specific rules. Enter your email and I'll reach out when something relevant changes for your stage.