Universal Mortgage Calculator
Compare mortgage strategies side-by-side. Calculate payments, prepayment savings, and view full amortization schedules with charts.
Need a starting point?
Select a pre-built scenario to see common mortgage comparisons.
Monthly vs Accelerated Bi-Weekly
See how much interest you save by switching to accelerated bi-weekly payments.
Impact of $10k Annual Prepayment
Compare your base mortgage with one where you make a $10,000 lump sum payment every year.
5-Year vs 3-Year Fixed Rate
Compare different term lengths to see the interest cost difference over time.
Important Disclaimer
This calculator uses Canadian semi-annual compounding. Results are estimates. Consult a licensed mortgage broker for personalized advice.This tool is for educational purposes only and does not constitute financial, tax, or legal advice. Consult a qualified professional before making financial decisions.
Related Resources
Important Disclaimer
This calculator uses Canadian semi-annual compounding. Results are estimates. Consult a licensed mortgage broker for personalized advice.This tool is for educational purposes only and does not constitute financial, tax, or legal advice. Consult a qualified professional before making financial decisions.