About Us
Why we built this
If you've ever tried to calculate a mortgage in Canada, you've probably run into one of two frustrating problems.
First, most calculators you find on Google are actually built for the US market. Because Canadian mortgages use semi-annual compounding by law, standard US calculators will give you the wrong monthly payment. They also completely ignore mandatory CMHC insurance.
Second, the calculators provided by the big Canadian banks are often slow, clunky, and designed with one primary goal: to capture your email address and generate a lead for a mortgage broker.
We believed Canadians deserved better. We wanted a tool that was blazing fast, mathematically precise, beautifully designed, and entirely free to use—no strings attached.
The N01 Labs Difference
The Canada Mortgage Calculator is a proud product of N01 Labs, an independent software development company based right here in Toronto, Canada.
N01 Labs operates a little differently than traditional tech companies. We are a micro-studio driven by a single human founder working in close collaboration with advanced AI models. This unique human-AI partnership allows us to write highly optimized code, design intuitive user interfaces, and deploy premium web applications faster and more efficiently than ever before.
Our Promise
- Accuracy: We use the exact semi-annual compounding formulas required by Canadian law, along with real-time CMHC premium tiers.
- Privacy: We don't save your financial numbers, we don't ask for your email to see your results, and we don't sell your data.
- Speed: Built on modern web technologies, our calculator does the heavy lifting instantly right in your browser.
Get in Touch
Whether you have a feature request, spotted a bug, or just want to say hello, we read every single message.
Email us at: contact@n01labs.com