Nido connects your real income, monthly spending, existing debt, and mortgage options in one place. Canadian rules applied. No bank affiliation. No guesswork.
Upload your bank statements. We categorize the spending, calculate the debt cost, and show you what each mortgage scenario actually means for your monthly budget.
Purchase price
$685,000
Down payment
$68,500 (10%)
Mortgage (5yr fixed)
$616,500
CMHC premium
$19,111
Monthly carrying cost
All figures are estimates. Verify with a licensed mortgage broker.
Free
No subscription required
6
Canadian banks supported
2024
CMHC and stress test rules
EN / FR
Bilingual
How it works
01
Sign in
Use your Excelvia account. No separate password.
02
Set up your household
Add one or two earners with their income sources.
03
Enter your expenses
Type them manually or upload a bank CSV for automatic categorization.
04
Add your debt
Credit cards, lines of credit, car loans. See the monthly interest cost.
05
Build mortgage scenarios
Price, down payment, rate type. CMHC and stress test are applied automatically.
06
Track your programs
FHSA contributions and RRSP Home Buyers' Plan in one place.
07
Compare side by side
Current rent and expenses vs. each mortgage scenario.
08
Save and revisit
Save up to three scenarios. Update them as your situation changes.
What you get
Real spending, not estimates
Upload CSV exports from TD, RBC, BMO, CIBC, Scotiabank, or Desjardins. Transactions are categorized automatically on the server. Raw data is never stored.
Your debt changes everything
Most mortgage calculators ignore your existing debt. Nido shows you the full monthly cost: debt payments plus the new mortgage, side by side.
CMHC applied automatically
Down payment under 20%? Insurance is calculated and added to your mortgage automatically based on current CMHC rates.
Stress test included
Every scenario runs the qualifying rate test — contract rate plus 2%, or 5.25%, whichever is higher. You see whether you qualify before you talk to a lender.
FHSA and RRSP Home Buyers' Plan
Track your FHSA contributions and RRSP HBP eligibility and withdrawals in one place, connected to your full household picture.
Compare up to three scenarios
Save named scenarios and compare them side by side. Rent versus buying. Different prices. Different down payments. Your actual numbers.
Nido is free for Excelvia members. No subscription. No upsell. You need an Excelvia account to sign in — that is the only requirement.
Start your plan