{
  "id": "canadian-mortgage-calculator",
  "version": "7.0.0",
  "name": "Canadian Mortgage Calculator",
  "shortName": "Canadian Mortgage",
  "description": "Calculate mortgage payments for Canada, including CMHC insurance estimates and semi-annual compounding.",
  "category": "Finance",
  "categorySlug": "finance",
  "keywords": [
    "canadian",
    "mortgage"
  ],
  "status": "live",
  "workStatus": "pending",
  "reviewStatus": "pending",
  "migrationStatus": "migrated",
  "migratedDate": "2026-08-18",
  "engine": "legacy-react",
  "creator": null,
  "reviewer": null,
  "quality": {
    "availability": "live",
    "technicalReviewRecord": "/reviews/canadian-mortgage-calculator.json",
    "qualifiedReview": "pending",
    "qualifiedReviewer": null,
    "qualifiedReviewDate": null,
    "formulaVersion": "7.0.0",
    "referenceCoverage": "references-pending",
    "releaseTestScope": "Catalog and regression checks are not a professional formula audit; consult release evidence.",
    "historicalMetadataDate": "2026-08-18",
    "historicalMetadataNotice": "The imported date is not evidence of a completed human review."
  },
  "urls": {
    "page": "/calculator/canadian-mortgage-calculator/",
    "definition": "/calculator/canadian-mortgage-calculator/definition.json",
    "schema": "/calculator/canadian-mortgage-calculator/schema.json",
    "llms": "/calculator/canadian-mortgage-calculator/llms.txt",
    "legacyDefinition": "/calculator/canadian-mortgage-calculator.json"
  },
  "queryExample": "https://askcalculators.com/calculator/canadian-mortgage-calculator/?homePrice=500000&downPayment=50000&rate=5&amortization=25&paymentFreq=monthly",
  "queryParameters": {
    "homePrice": {
      "label": "Home Price",
      "type": "number",
      "required": false,
      "default": 500000
    },
    "downPayment": {
      "label": "Down Payment",
      "type": "number",
      "required": false,
      "default": 50000
    },
    "rate": {
      "label": "Interest Rate",
      "type": "number",
      "required": false,
      "default": 5
    },
    "amortization": {
      "label": "Amortization (Years)",
      "type": "number",
      "required": false,
      "default": 25
    },
    "paymentFreq": {
      "label": "Payment Freq",
      "type": "text",
      "required": false,
      "default": "monthly"
    }
  },
  "inputs": [
    {
      "id": "homePrice",
      "label": "Home Price",
      "type": "number",
      "defaultValue": 500000
    },
    {
      "id": "downPayment",
      "label": "Down Payment",
      "type": "number",
      "defaultValue": 50000
    },
    {
      "id": "rate",
      "label": "Interest Rate",
      "type": "number",
      "defaultValue": 5
    },
    {
      "id": "amortization",
      "label": "Amortization (Years)",
      "type": "number",
      "defaultValue": 25
    },
    {
      "id": "paymentFreq",
      "label": "Payment Freq",
      "type": "text",
      "defaultValue": "monthly"
    }
  ],
  "outputs": [
    {
      "id": "result",
      "label": "Result",
      "format": "text",
      "primary": true
    }
  ],
  "formula": {
    "expression": "Canadian monthly rate = (1 + nominal rate ÷ 2)^(2/12) − 1; payment uses the amortizing-loan formula after any entered insurance estimate."
  },
  "examples": [
    {
      "label": "Reproducible default-input example (not a personal recommendation)",
      "inputs": {
        "homePrice": 500000,
        "downPayment": 50000,
        "rate": 5,
        "amortization": 25,
        "paymentFreq": "monthly"
      }
    }
  ],
  "sources": []
}