Calculators

The LowballAI Calculator Suite

Free tools to plan your purchase, your financing, and your future — pre-filled automatically inside every negotiation, or try them here.

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Vehicle Payment Calculator

Monthly & bi-weekly auto loan payments with provincial tax

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Mortgage Calculator

CMHC, stress test, land transfer tax & equity projections

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Equipment Loan Calculator

Business financing with CCA tax-deduction estimates

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Rent vs Buy Calculator

Break-even point and net worth comparison over time

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Savings Wealth Calculator

See what your negotiation savings could grow into

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Insurance Savings Calculator

Estimate how much you could save by switching providers

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Total Cost of Ownership

Fuel, insurance, maintenance — the real monthly cost

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JDM Import Cost Calculator

Landed cost for importing a Japanese vehicle — duty, tax & compliance

🚗 Vehicle Payment Calculator

Vehicle Payment Calculator

Estimated Monthly Payment

CA$559/mo

or CA$258 bi-weekly

At asking price: CA$639/mo

At your offer: CA$559/mo

Monthly savings: CA$80 · 5-year savings: CA$4,789

10% (CA$3,136)
6.99%

Total interest

CA$5,300

Total cost

CA$36,660

Tax amount

CA$3,360

🏠 Mortgage Calculator

Mortgage Calculator

Estimated Payment /mo

CA$3,700/mo

Monthly equivalent: CA$3,700 · Bi-weekly: CA$1,708

CAD $

10.0% down

5.49%

Total interest

CA$506,918

Total cost

CA$1,175,053

CMHC insurance

CA$18,135

Land transfer tax

CA$9,475

Equity in 5 yrs

CA$111,654

Equity in 10 yrs

CA$196,854

Mortgage stress test

You must qualify at 7.49% (your rate + 2%, or 5.25% — whichever is higher).

Stress-test payment: CA$4,453/mo · Approx. qualifying income: CA$153,688/yr

🚜 Equipment Loan Calculator

Equipment Loan Calculator

Estimated Monthly Payment

CA$998/mo

Principal: CA$40,500

10% (CA$4,500)
8.50%

Total interest

CA$7,416

Total cost

CA$52,416

Business tax estimate (Canada)

CCA Class 10 (30% declining balance, half-year rule): est. annual deduction CA$6,750

Estimated annual tax savings: CA$1,823

True after-tax annual cost: CA$10,157

💰 Savings Wealth Calculator

Savings Wealth Calculator

You just saved

CA$3,500

by negotiating instead of paying the asking price

7%

If your CA$3,500 savings were invested at 7%

5 years

CA$4,909

10 years

CA$6,885

20 years

CA$13,544

30 years

CA$26,643

Smart negotiating builds real wealth 🌱

🛡️ Insurance Savings Calculator

Insurance Savings Calculator

Potential savings at 23% reduction

CA$777/yr

5-year potential: CA$3,887

CAD $
CAD $
CAD $
CAD $

Total annual spend

CA$3,380

Annual savings

CA$777

5-year savings

CA$3,887

🔧 Total Cost of Ownership

Total Cost of Ownership

Total Monthly Cost

CA$1,069/mo

CA$12,825/yr · 0.64 per km

20,000 km
CAD $
CAD $

Monthly breakdown

Loan paymentCA$520
InsuranceCA$150
FuelCA$234
Maintenance estimateCA$150
RegistrationCA$15

Annual cost

CA$12,825

5-year cost

CA$64,125

Cost per km

CA$1

🚢 JDM Import Cost Calculator

JDM Import Cost Calculator

Estimated Landed Cost (CAD)

CA$11,543

Vehicle ¥800,000 + Japan fees + shipping, duty & tax

CA$1,800
15 years

Cost breakdown

Vehicle costCA$7,407
Japan-side feesCA$1,389
Ocean freightCA$1,800
Marine insurance (~1%)CA$88
Import duty (0%)CA$0
GST (federal — PST/HST may apply on registration)CA$534
RIV inspection & paperworkCA$325

CIF value

CA$10,684

Duty + tax

CA$534

Total landed

CA$11,543

Duty-free under CUSMA/CPTPP for Japan-built vehicles

⚖️ Rent vs Buy Calculator

This one gets its own dedicated page with a full wealth-over-time chart.

Open Rent vs Buy Calculator

Calculators appear automatically

Start a negotiation and the right calculator pops up right after your market analysis — pre-filled with your numbers.

Start negotiating