Discharging a mortgage isn’t just a signature and a handshake—it comes with real out-of-pocket costs that can surprise you if you don’t plan for them. This calculator gives you a fast, practical estimate of typical discharge expenses based on the type of lender you have (Prime, Alternative, or Private/MIC).

The numbers start with common Canadian averages, and you can overwrite any line item with your lender’s or lawyer’s actual quotes—so you can compare scenarios side-by-side and avoid “wait… what’s that fee?” moments at the finish line.

Use it whenever you’re thinking about refinancing, switching lenders, selling, payouts after a separation, or any situation where your mortgage needs to come off title.