CalcRight is a free set of mortgage and loan calculators for the US, Canada and Australia. Each calculator uses the rules local lenders actually apply: DTI in the US, GDS/TDS and CMHC insurance in Canada, APRA serviceability in Australia, plus reference rates. Every tool adapts to location (50 US states + DC, 13 Canadian provinces, 8 Australian states) and income. No sign-up, no paywall. A free iframe embed widget lets blogs and finance sites embed any calculator.
Most mortgage calculators are US-only or lock results behind an email form. CalcRight was built to give accurate country-specific numbers for the US, Canada and Australia instantly, with no sign-up.