TrueNorthCalc builds simple, accurate financial calculators for North America. We started with mortgages because the math matters — most online calculators get Canadian mortgages wrong by using US-style monthly compounding instead of the semi-annual compounding Canadian mortgages actually use.

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Our mortgage calculator handles both Canadian and US mortgages with the correct formula for each, factors in CMHC insurance for Canadian down payments under 20%, and shows the real cost of your loan, including total interest and accelerated-payment savings.

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Everything on TrueNorthCalc is free, requires no sign-up, and runs entirely in your browser — the numbers you enter never leave your device. We're expanding: paycheck, debt-payoff, and budgeting calculators are on the way.

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TrueNorthCalc provides educational estimates only and is not financial, legal, or tax advice.