Tools built for uniformed pay.
Most officers carry a strong salary and real cash flow — the question is never “can you afford a home,” it’s how your pay gets read and how fast the mortgage dies. These tools answer both, with the math verified before anything ships.
9
Live on this desk
60+
Across the family
$0
Free — no sign-up
Live on this desk
Shift-income qualifier
The desk’s income-qualifying calculator: the same pay stub read three ways — base only, two-year average, and the full picture with premiums, overtime and paid duty documented.
The default stub, three readings
Documented properly, the same stub carries $181,911 more purchase. That gap is why this desk exists.
Spousal buyout
Your agreement’s split — percent or dollars — turned into both sides’ shares, the cheque, and the new mortgage. Works for any co-owners, not just spouses.
The default case, split 50/50
One mortgage of $620,000 for the spouse who stays — 72.9% of the home’s value.
Mortgage payment
Every payment frequency on Canadian semi-annual compounding — with TRUE accelerated schedules, not relabelled monthly math.
The default mortgage, monthly
Accelerated bi-weekly kills it 4 yrs 7 mo sooner and saves $97,117.
Pay it faster
One paid-duty shift a month, straight onto the principal — simulated month by month, with an annual lump sum if you have one.
$250 extra a month on the default mortgage
And $89,321 of interest that never gets paid.
Smith Manoeuvre
Make part of your mortgage interest tax-deductible as you pay it down. Worth most in a senior rank’s tax bracket — and it is borrowing to invest, so it can lose.
Return you must beat to come out ahead
Over 20 years that path collects $138,645 of tax refunds.
Rental vs RRSP vs TFSA
The same money in a rental, an RRSP, a TFSA or straight onto your own mortgage — all four after tax, with your pension’s bite on RRSP room built in.
On $100,000 over 20 years
By $91,258 after tax — change one assumption and the answer changes.
Posting-to-posting
Same income, same stress test — different cash at closing. BC’s Property Transfer Tax against Alberta’s small land-title fees, exemptions included.
The default purchase, both provinces
An Alberta posting frees $13,285 of closing cash on the same purchase.
Mortgage-free by pension date
Your retirement date is known years out — so the payment that retires the mortgage the same day has an exact answer.
Pension in 20 on the default mortgage
Retires it with the pension — and $202,357 of interest never gets paid.
Keep the house?
New posting, old house: rent it out (half the rent counts, its payment counts against you) or sell and roll the equity. Both paths, priced honestly.
The default move, two paths
On these numbers the freed equity out-buys the rental by $626,280 — the tool tells you either way, honestly.
Every figure above comes from the same verified engines the tools run on — formulas hand-proven before the pages existed, and the pages proven to match.
From the family hub
These two open on mortgageguru.ca — the main hub — where their math lives and is maintained once for the whole family.
Calculators across the family
Every desk builds its own tools — 60+ free calculators across the family, every one with its math verified. Counted honestly: a calculator that appears on two desks is counted once.
Mortgage Guru Financial — the main hub ↗
Residential & commercial set, plus the full family directory.
Private Wealth Financing ↗
Planning tools.
Physician Mortgage ↗
Physician calculators.
Healthcare Practice Financing ↗
Practice calculators.
Reverse Financing ↗
Equity projection, monthly income, and the two honest comparisons — a credit line and downsizing.
How every tool here shipped: formulas hand-verified against public Canadian rules before the page existed, then the page proven to match the engine exactly — the check counts are printed on each tool. Part of the Mortgage Guru Financial family’s 60+ free calculators — counted honestly.