Calculators for uniformed officers.
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 calculators answer both.
10
Calculators on this desk
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Here on Officer Financing
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 $164,597 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, side by side.
The default move, two paths
On these numbers the freed equity out-buys the rental by $626,280. The calculator tells you either way.
Debt consolidation
Your mortgage, any second or line, and every card and loan: the penalty, legal and lender fees for a bank, B or private lender, and a plain answer on whether it pays.
The default file, bank lender, monthly
Over 5 years it comes out $30,155 ahead after every cost, penalty included. It says just as plainly when it doesn’t.
Every figure above comes from the calculators themselves, using the numbers each one opens with.
From the main hub
These two open on mortgageguru.ca.
More calculators across the family
Every desk has its own set for the people it serves: 60+ free calculators in all.
Mortgage Guru Financial — the main hub ↗
Residential & commercial set, plus the full family directory.
Private Wealth Financing ↗
Planning calculators.
Physician Mortgage ↗
Physician calculators.
Healthcare Practice Financing ↗
Practice calculators.
Reverse Financing ↗
Equity projection, monthly income, clearing debts, and two comparisons: a credit line and downsizing.
If the same calculator appears on two of our sites, we count it once.
How we check the math: every formula is worked out by hand against public Canadian rules first, and each calculator shows how it was tested and when it was last checked.