Free Equity Assessment
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Free Equity Assessment

Cash Damming Calculator

See how much of your equity could be put to work using your business or rental cash flow. Answer a few quick questions for an instant estimate. No obligation, and it takes under a minute.

Cash Damming Calculator

Answer a few quick questions to estimate the equity you could put to work.

Progress25%
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Property
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Income
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Goals
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Contact
Property & Mortgage
$
Please enter your home's estimated value.
$
Enter 0 if your home is mortgage-free.
Please select your province.
Please select your age range.
Employment & Income
Enter the income of the person who would implement the strategy (before taxes). Please select your household income range.
Your Goals
Please choose the option that fits best.
Where Should We Send Your Results?
Please enter your first name.
Please enter your last name.
Please enter a phone number.
Please enter a valid email address.

Your Personalized Estimate

Based on the information you provided, here's what your home equity could do for you.

Current Home Equity
$0
Estimated home value minus your current mortgage balance.
Equity Potentially Accessible (up to 80% loan-to-value)
$0
A common ceiling for HELOCs and readvanceable mortgages used in Smith Manoeuvre / Cash Damming strategies.

Want to see exactly how this would work for you?

Book a free, no-pressure clarity call with a Wise Equity advisor. We'll walk through your numbers and answer your questions.

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These figures are illustrative estimates only, generated for educational purposes based on the information you provided. They do not constitute a mortgage approval, financial advice, tax advice, or investment advice. Actual amounts depend on lender criteria, appraised value, underwriting, and your individual financial situation. Speak with a licensed Wise Equity advisor before making any financial decisions. Wise Equity Inc. — Lic #M19002342, FSRAO Brokerage #12685.

What this calculator estimates

Cash damming redirects your business or rental income toward paying down non-deductible personal debt, while deductible operating or rental expenses are covered by a separate credit facility. Over time, this converts a portion of non-deductible debt into tax-deductible debt. How much you can put to work starts with how much equity you have available to borrow against.

That is what this tool estimates. It looks at your property value, what you still owe, and your goals, then returns an indication of the equity you could access. Treat the result as a starting point for a conversation rather than an approval or a quote.

If you want the strategy explained in full before running your numbers, start with our guide to how cash damming works in Canada.

Before you rely on the numbers

Cash damming depends on clean separation between personal and business or rental cash flow, and on documenting how funds are actually used. Interest is only deductible where the borrowed money covers legitimate deductible expenses, and the rules are specific. This calculator does not assess suitability. That requires a look at your business or rental income, your existing debt, and your tax position.

Frequently Asked Questions

Business owners and rental property owners with recurring deductible expenses and existing non-deductible personal or mortgage debt they want to pay down faster.
Both estimate equity you could put to work using the same interest-deductibility principle. The Smith Manoeuvre applies to re-borrowed mortgage principal invested in income-producing assets; cash damming applies to existing business or rental cash flow instead, so it does not require investing borrowed funds in the market.
Only where the borrowed money is used to earn income or cover deductible expenses, and only where that use is properly documented. Deductibility follows the use of the funds, not the type of loan.
It is an illustration based on the figures you enter, not an assessment or an offer of credit. Your actual borrowing capacity depends on lender qualification, your income, your credit profile and a current property valuation.
Your Next Step

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