30 Year Canadian Mortgage Calculator
Price a Canadian mortgage with semi-annual compounding and accelerated payment options on a 30-year term.
Every figure below is labelled in the currency you pick. Amounts are not converted — enter values in the same currency.
What a 30-year term costs
On $520,000 at 5.29%, a 30-year term gives a payment of $2,884.36 and total interest of $518,368 over the life of the loan. Against the 25-year baseline the payment is $244.02 lower and the lifetime interest is $99,857 — the longer term costs that much extra.
Who a 30-year term suits
A longer term lowers the monthly commitment and raises the total cost. It makes sense when cash flow is the binding constraint, and it is worth checking how long you would owe more than the asset is worth.
How to use the 30 Year Canadian Mortgage Calculator
- Fill in each field with your own figures — the defaults are only there as an example.
- The result updates as you type, so there is no button to press.
- Check the breakdown under the main result for the supporting numbers.
- Use the copy button to take the result with you, or share the link to reload the same inputs.
30 Year Canadian Mortgage Calculator — frequently asked questions
What is the monthly payment on a 30-year loan?
On $520,000 borrowed at 5.29% over 30 years, the payment is $2,884.36 and you repay $1,038,368 in total. Change the amount and rate above for your own figures.
Is this 30 year canadian mortgage calculator free to use?
Yes. Every calculator on the site is free, needs no sign-up, and runs entirely in your browser, so your figures never leave your device.
How accurate is the result?
The maths is exact for the formula shown on the page. Accuracy in the real world depends on your inputs and on assumptions the formula cannot see, so treat the output as a well-grounded estimate rather than a quote.
Can I use it on my phone?
Yes. The page is responsive, weighs a few kilobytes and works offline once loaded, so it behaves the same on a phone as on a desktop.
This page is a focused version of the Canadian Mortgage Calculator, which handles every variation in one place.
What people search for
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About this calculator
Written and reviewed by The Samsung Calculator editorial team. Every calculator is written against a published formula, reviewed against at least one independent reference implementation, and dated when it changes.
Last reviewed August 15, 2026 · Calculation runs client-side · No data collected · Report an error