# Mortgage Compass > Private, browser-based mortgage calculators for payments, affordability, payoff planning, refinancing, closing costs, reverse mortgages, and rent-versus-buy decisions. Mortgage Compass is a free browser-based planning application from Utilitas. Calculator inputs remain in the browser unless the user chooses to share a URL or exported file. It does not provide approvals, quotes, lender rankings, or personalized financial advice. ## Calculators - [Mortgage payment](https://mortgage.utilitas.app/calculators/payment/): Model principal, interest, taxes, insurance, fees, and payment frequency. - [Home affordability](https://mortgage.utilitas.app/calculators/affordability/): Estimate a prudent price range using income, debt, housing costs, and a cash buffer. - [Extra payment payoff](https://mortgage.utilitas.app/calculators/extra-payments/): Compare recurring, annual, and one-time prepayments, interest saved, and a target payoff date. - [Refinance break-even](https://mortgage.utilitas.app/calculators/refinance/): Compare remaining cost, fees, penalties, break-even month, and total interest. - [Amortization schedule](https://mortgage.utilitas.app/calculators/amortization/): Inspect every payment or yearly rollups, principal progress, and renewal balance. - [Closing cost planner](https://mortgage.utilitas.app/calculators/closing-costs/): Calculate Ontario, Toronto, or B.C. transfer tax and plan legal fees, moving, and reserves. - [Rent versus buy](https://mortgage.utilitas.app/calculators/rent-vs-buy/): Compare unrecoverable costs, equity, investment opportunity cost, and break-even. - [Rate stress test](https://mortgage.utilitas.app/calculators/stress-test/): See payments and debt ratios across higher-rate scenarios before renewal. - [Reverse mortgage projection](https://mortgage.utilitas.app/calculators/reverse-mortgage/): Project a growing loan balance and remaining home equity under transparent assumptions. ## Guides - [Paying Off Your Mortgage: The Game Changer Is What You Do Next](https://mortgage.utilitas.app/guides/paying-off-your-mortgage-game-changer/): A practical plan for the cash flow, paperwork, protection, and new priorities that follow your final mortgage payment. - [The Darlene Early Reverse Mortgage Case: Fraud Claims and Homeowner Safeguards](https://mortgage.utilitas.app/guides/darlene-early-reverse-mortgage/): What the reported Darlene Early dispute shows about mortgage fraud, title checks, independent advice, and responding to an unfamiliar loan. - [How to Get Preapproved for a Mortgage Without Overstretching](https://mortgage.utilitas.app/guides/how-to-get-preapproved-for-mortgage/): Prepare documents, compare lenders, protect your budget, and understand what a mortgage preapproval does not guarantee. - [Mortgage Quote Checklist: Compare the Price, Terms, and Tradeoffs](https://mortgage.utilitas.app/guides/mortgage-quote/): Learn what belongs in a useful mortgage quote and how to compare rate, APR, fees, penalties, and cash required. - [Fixed-Rate Mortgage Guide: Stable Payment, Real Tradeoffs](https://mortgage.utilitas.app/guides/fixed-rate-mortgage/): Understand what stays fixed, what can still change, and how term, amortization, penalties, and renewal affect a fixed-rate mortgage. - [How to Calculate Mortgage Payments and Check the Result](https://mortgage.utilitas.app/guides/how-to-calculate-mortgage-payments/): Learn the fixed-payment formula, compounding conventions, total housing costs, and the assumptions behind a mortgage calculator. - [What Is a Reverse Mortgage? Costs, Triggers, and Equity](https://mortgage.utilitas.app/guides/what-is-a-reverse-mortgage/): Understand how a reverse mortgage converts home equity into cash, how the balance grows, and what homeowners and families should review. - [Private Mortgage Guide: When Bank Financing Is Not the Fit](https://mortgage.utilitas.app/guides/private-mortgage/): Understand private mortgages, short terms, fees, exit plans, due diligence, and the risks of borrowing outside mainstream bank channels. - [Rocket Mortgage: What It Is and How to Compare an Online Lender](https://mortgage.utilitas.app/guides/rocket-mortgage/): An independent overview of Rocket Mortgage and a neutral checklist for comparing an online mortgage option with other lenders. - [Mortgage Rates News: Read the Signal Without Chasing the Headline](https://mortgage.utilitas.app/guides/mortgage-rates-news/): A dated July 2026 mortgage-rate update for Canada and the United States, plus a framework for turning market news into a payment range. - [Mortgage Renewal Calculator Canada Guide](https://mortgage.utilitas.app/guides/mortgage-renewal-calculator-canada/): Estimate a Canadian mortgage renewal payment, compare stay-versus-switch costs, and prepare for rate, term, and amortization decisions. - [Mortgage Penalty Calculator Canada Guide](https://mortgage.utilitas.app/guides/mortgage-penalty-calculator-canada/): Estimate a Canadian mortgage prepayment penalty, understand three-month-interest and IRD methods, and test the full refinance break-even cost. - [Mortgage Amortization Schedule Calculator Canada Guide](https://mortgage.utilitas.app/guides/mortgage-amortization-schedule-calculator-canada/): Build a Canadian mortgage amortization schedule, read principal and interest by payment or year, and understand what changes at renewal. - [Mortgage Extra Payment Calculator Canada Guide](https://mortgage.utilitas.app/guides/mortgage-extra-payment-calculator-canada/): Compare one-time, annual, and recurring mortgage prepayments in Canada, including interest saved, payoff time, and contract limits. - [Closing Cost Calculator Canada Guide](https://mortgage.utilitas.app/guides/closing-cost-calculator-canada/): Estimate cash to close in Canada, including Ontario, Toronto, and British Columbia transfer taxes, fees, adjustments, and a reserve. - [Mortgage Refinance Break-Even Calculator Canada Guide](https://mortgage.utilitas.app/guides/mortgage-refinance-break-even-calculator-canada/): Calculate mortgage refinance break-even in Canada using payment savings, penalties, fees, amortization, and a realistic holding period. - [Rent vs Buy Calculator Canada Guide](https://mortgage.utilitas.app/guides/rent-vs-buy-calculator-canada/): Compare renting and buying in Canada using equity, unrecoverable costs, investment opportunity cost, selling costs, and time horizon. - [Porting a Mortgage in Canada: Questions to Ask Before You Move](https://mortgage.utilitas.app/guides/porting-a-mortgage-canada/): Learn how mortgage portability works in Canada, when it may avoid a prepayment penalty, and what to compare before selling and buying. ## Live public housing data - [Toronto housing data](https://mortgage.utilitas.app/housing/toronto/): Track Toronto asking rents and benchmark Canadian mortgage rates with current public data. - [Vancouver housing data](https://mortgage.utilitas.app/housing/vancouver/): Compare Vancouver asking rents with current Canadian mortgage and policy rates. - [Montréal housing data](https://mortgage.utilitas.app/housing/montreal/): Review Montréal asking-rent trends alongside current Canadian borrowing-rate benchmarks. - [Calgary housing data](https://mortgage.utilitas.app/housing/calgary/): Follow Calgary asking rents and the national rates that shape mortgage affordability. - [Edmonton housing data](https://mortgage.utilitas.app/housing/edmonton/): Explore Edmonton asking-rent data with current Canadian mortgage-rate context. - [Winnipeg housing data](https://mortgage.utilitas.app/housing/winnipeg/): See Winnipeg asking-rent trends and current mortgage and policy-rate benchmarks. City pages request a same-origin read-only endpoint backed by Statistics Canada and Bank of Canada public data. Responses are cached and do not require user credentials. ## Trust and access - [Methodology](https://mortgage.utilitas.app/methodology/): formulas, conventions, limitations, and validation - [Privacy](https://mortgage.utilitas.app/privacy/): local processing, storage, sharing, and advertising - [Terms](https://mortgage.utilitas.app/terms/): permitted use and estimate limitations - [Contact](https://mortgage.utilitas.app/contact/): corrections and accessibility feedback - [Service access](https://mortgage.utilitas.app/auth.md): public-access and unsupported-capability statement - [Agent Skills index](https://mortgage.utilitas.app/.well-known/agent-skills/index.json): browser calculator skills No public account API, write API, OAuth issuer, remote MCP server, or A2A service is offered.