Mortgage Calculator

Canadian mortgage calculator — payment frequencies, extra payments, rate renewals & scenario comparison

Mortgage details

Mortgage amount

Interest rate

Amortization (whole years)

yrs

Payment frequency

Extra payments optional

Rate renewals / rate changes optional

Comparison timeline

Show results at year

instead of full amortization

Enter a renewal cycle (e.g. 5 for a 5-year term) to compare scenarios at that point. Scenario summaries will show both the timeline snapshot and full amortization results.

All calculations use semi-annual compounding as required by the Interest Act (Canada). Results are estimates only and do not constitute financial advice.

Results

Monthly payment

—

Frequency

Monthly

— per year

Full amortization

At Year 5 snapshot

Scenario comparison Save up to 5 scenarios

Adjust inputs and click “Save for comparison” to compare scenarios side by side.

Frequently asked questions

Want to talk through your numbers?

These are estimates. Book a free call to get a real rate, discuss your renewal strategy, and find the structure that works best for you.

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