Type a number. See the math.

Smarter mortgage decisions.
End to end.

Try them right here. No signup, no scrolling to a calculator hub — three of the most-asked mortgage questions, answered live below.

Start freeSee how it works
Try them live

Three of the most-asked mortgage questions.

Quick monthly payment
What’s the monthly payment?
Monthly payment$3,812.00
Quick affordability
What can I afford?
Estimated max mortgage$538,184.00
Stress-tested at 7.39% · 25-year amortization
Doesn't include property tax, heat, or condo fees — those reduce the max. Don't forget to factor them into your monthly costs.
Quick closing cost
What does closing day cost?
Land transfer tax$12,255.00
Legal fees (est.)$1,800.00
Title insurance (est.)$400.00
Estimated total$14,455.00
First-time-buyer rebates + Toronto LTT live in the full calculator.

Real math from the same engine that powers the full calculators.

Three audiences, one toolkit

Built for whoever's
doing the math.

For homebuyers

Make the biggest decision of your life with the math in front of you.

  • Past the bank's ceiling: see what's actually comfortable.
  • Compare every down-payment scenario, side by side.
  • Closing-day costs included — no surprises.
Get started — homebuyer
For mortgage agents

Turn "trust me" into "here’s exactly why."

  • Walk clients through GDS, stress test, rental income — visually.
  • Save scenarios. Share live links. Send branded PDFs.
  • Open-rate analytics on every share.
Get started — agent
For realtors

Get the edge before the showing ends.

  • Pre-qualify in 30 seconds, on your phone.
  • Branded rate sheet for the open house — your name + your agent’s.
  • Land transfer tax + closing cost — instant.
Get started — realtor
And this is what your client takes home

The branded rate sheet:
your handout, their reference.

Every down-payment scenario, side by side. Branded with your name (or your agent’s). Print it for the open house. Email the live link. The buyer opens it next week — rates have moved — they see today’s numbers, not last week’s.

  • ·Open house leave-behind
  • ·Buyer's reference doc, not a stale PDF
  • ·Realtor + mortgage agent on the same page
  • ·Open-rate analytics on every link
See a real rate sheet
Simple pricing

Calculators free for everyone.
Pay when you go pro.

Free
$0
forever
  • All 10 calculators, no signup needed
  • 5 rate sheets / month
  • Email + live link sharing
  • Your branding on every sheet
  • ·Includes "Made with Reckoner" footer
Get started
Most popular
Pro
$29/mo
cancel any time
  • Unlimited rate sheets
  • Remove "Made with" footer
  • Custom colours and logo
  • Realtor co-branding on the same sheet
  • Open-rate analytics on every link
  • Priority email support
Start 14-day trial
Pro+
Custom
for teams of 5+
  • Everything in Pro
  • Brokerage-wide branding
  • Team seats with shared analytics
  • White-glove onboarding
Talk to sales

Compare plans

  • All 10 calculators
    Free
    Pro
    Pro+
  • Rate sheets per month
    Free
    5
    Pro
    Unlimited
    Pro+
    Unlimited
  • Email + live link sharing
    Free
    Pro
    Pro+
  • Your branding on every sheet
    Free
    Pro
    Pro+
  • Remove "Made with Reckoner" footer
    Free
    Pro
    Pro+
  • Custom colours and logo
    Free
    Pro
    Pro+
  • Realtor co-branding on the same sheet
    Free
    Pro
    Pro+
  • Open-rate analytics on every link
    Free
    Pro
    Pro+
  • Priority email support
    Free
    Pro
    Pro+
  • Brokerage-wide branding
    Free
    Pro
    Pro+
  • Team seats (5+)
    Free
    Pro
    Pro+
  • White-glove onboarding
    Free
    Pro
    Pro+

Frequently asked

  • Can I cancel anytime?
    Yes. Cancel from Settings → Billing; you keep access until the period ends.
  • Do you offer team plans?
    Yes. Contact sales for 5+ seats with brokerage-wide branding and onboarding.
  • Is there a free plan?
    Yes — the Free tier covers personal use. The agent and realtor tiers include branding, sharing, and embeds.
  • Is my data private?
    Yes. We don't sell or share your data. Read our privacy policy.
Why we built this

Most mortgage decisions get made on vague answers.

A pre-approval letter with no breakdown. A monthly figure with no stress test. A closing cost “estimate” that's off by $4,000.

We think the math should be visible — to the people deciding, and to the people helping them decide. That's the whole pitch.

Try a number above —
or build your first scenario.

Open the calculator hubOr create a free account