Build with Reckoner

The modern Canadian mortgage API

Calculators, rate sheets, lead capture, and lender intelligence — over a clean REST API your team can ship against in an afternoon.

POST /v1/calculate/:slug

Run any calculator — Affordability, Required Income, Mortgage, Compare, more.

POST /v1/sheets

Create branded rate sheets your clients open from a shareable link.

POST /v1/leads

Capture leads from your own UI; they land in Reckoner and your CRM.

Webhooks

Subscribe to lead, sheet-view, and scenario events — signed with HMAC-SHA-256.

Quickstart#

Grab an API key from /settings/developer, then run your first calculation:

curl -X POST https://reckoner.app/api/v1/calculate/maximum-mortgage \
  -H "Authorization: Bearer YOUR_API_KEY" \
  -H "Content-Type: application/json" \
  -d '{
    "inputs": {
      "grossAnnualIncome": 120000,
      "downPayment": 100000,
      "debts": [],
      "rentalIncome": { "rentalIncome": 0 },
      "annualPropertyTax": 4800,
      "monthlyHeating": 100,
      "monthlyCondoFees": 0,
      "contractRate": 5.39,
      "amortYears": 25,
      "gdsCap": 0.39,
      "tdsCap": 0.44
    }
  }'