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The PennyJar
Wealth Portal
🏠 Home
Private Session
🏠
Basic Mortgage Calc
🔄
Refinance Calculator
⬆️
Plan an Upsize
⬇️
Optimize Downsizing
🌱
Generational Wealth
Soon
💰
Household Income
Person 1 Take-Home
$
Person 2 Take-Home
$
Other / Side Hustle
$
✦ Use net take-home pay after tax & benefits.
🚗
Vehicles
1 Vehicle
2 Vehicles
Car 1 — Loan Payment
$
Car 1 — Insurance
$
Car 1 — Gas / Fuel
$
Car 2 — Loan Payment
$
Car 2 — Insurance
$
Car 2 — Gas / Fuel
$
🛒
Living Expenses
Groceries
$
Cell Phone — Person 1
$
Cell Phone — Person 2
$
Internet
$
Life Insurance — P1
$
Life Insurance — P2
$
Subscriptions
$
Entertainment
$
📋
Mortgage Details
Purchase Price
$
Down Payment
%
Interest Rate
%
Amortization
yrs
Mortgage Term
yrs
🏡
Property Overhead
Property Tax
$
Home Insurance
$
Natural Gas
$
Water / Hydro
$
Maintenance Fees
$
🏛️
Closing Costs
Province
Ontario
British Columbia
Quebec
Manitoba
Alberta (No LTT)
Saskatchewan (No LTT)
Nova Scotia (No LTT)
New Brunswick (No LTT)
Newfoundland (No LTT)
PEI
Region
Rest of ON
Toronto
⏳ Full provincial calculation coming soon. Showing Ontario rates as estimate.
🎁 First Time Home Buyer?
Legal Fees (estimated)
$
Land Transfer Tax
—
Enter a purchase price to calculate
⟶ Calculate Monthly Nut
Clear All
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The PennyJar
Wealth Portal · Mortgage Analysis
Personal Financial Report
Monthly Snapshot
Lifestyle
—
+
Vehicles
—
+
Mortgage
—
=
Monthly Nut
—
🏛️
One-Time Closing Costs
Land Transfer Tax
—
—
Legal Fees
—
Estimated legal costs
Total Closing Costs
—
Due on possession day
Budget Allocation
Take-Home Income
—
Term
—
Expense Ratio
—
Monthly Surplus
—
Closing Costs
—
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