About Duitora
Duitora is a free toolkit for US and Canadian home buyers — rigorous calculators and plain-English guides that give you the same clarity a financial advisor would, without the sales pitch.
The problem
Bank mortgage calculators assume you'll borrow the maximum they'll approve. Real estate sites have an obvious interest in you buying. Lender rate calculators lead to a loan application. Almost every free financial tool you can find online exists to funnel you toward a product.
The math underlying most of these tools is also simplified to the point of being misleading. They ignore opportunity cost — what your down payment could have earned if invested. They assume round numbers for property tax and maintenance. They don't account for the transaction costs of buying and selling, or how long you need to stay for buying to actually win financially.
Duitora was built to fix that. No referral links to lenders. No ads for financial products. No upsell. Just the math, done properly, for your actual numbers.
How it works
Every calculator runs a full month-by-month model — tracking principal paydown, interest, property tax growth, rent escalation, and equity simultaneously for up to 30 years.
Your down payment has a cost even if you don't borrow it — the investment return you give up. Duitora factors this in, which most calculators don't.
Everything runs locally in your browser. Your income, home price, and down payment are never transmitted to our servers or any third party.
US & Canada
Canadian home buyers face a fundamentally different set of rules than Americans — and most calculators built for the US market simply bolt on a dollar sign swap and call it done.
Duitora's Canadian mode is built from scratch to reflect how mortgages actually work in Canada: the stress test (qualifying at your contract rate plus 2%), CMHC mortgage default insurance premiums calculated by down payment tier, land transfer tax by province with first-time buyer rebates, and government programs like the First Home Savings Account (FHSA) and the Home Buyers' Plan (HBP).
If you're buying in Toronto, Vancouver, Calgary, or anywhere else in Canada, the numbers are built for your market — not adapted from an American template.
The toolkit
Rent vs. Buy Calculator
Finds the exact month when buying pulls ahead of renting for your specific numbers, city, and timeline.
Home Affordability Calculator
Shows Conservative, Comfortable, and Maximum price tiers based on your take-home pay — not gross income.
Refinance Break-Even Calculator
Calculates the exact month your monthly savings exceed closing costs — so you know whether to refinance now or wait.
Mortgage Amortization Calculator
Full amortization schedule showing every payment, interest paid, and remaining balance month by month.
Guide: Renting vs. Buying
What the math actually shows — and why the answer depends entirely on your situation.
Guide: Mortgage Pre-Approval (US)
What lenders look at, what not to do before closing, and why your bank's number is too high.
Guide: Mortgage Pre-Approval (Canada)
The stress test, CMHC, FHSA, HBP, and provincial LTT — explained plainly.
Guide: Mortgage Amortization
Why so much of your early payments go to interest — and how to pay your mortgage off faster.
Start with the question that matters most to you right now.
Rent vs. Buy Calculator