Features

The complete Canadian mortgage toolkit

Every tool below runs on the same cent-accurate engine and works in English or French.

Track

Keep an honest, up-to-date picture of every mortgage you hold.

Semi-annual compounding, every frequency, term vs. amortization, mid-life mortgages — validated to the cent.

Log payments and compare your statement balance to the engine's expected balance: in sync, ahead, or behind.

See the consequence of any change before you commit to it.

Extra payments, lump sums, frequency changes, and rate shocks with colour-coded interest and time deltas.

Lump-sum and payment-increase room in real dollars, with an over-limit warning and interest saved.

Trigger rate, headroom, and a negative-amortization warning for variable-rate mortgages.

Make the big calls — renew, switch, or break — on the numbers.

Compare up to four offers by true cost over each term, with switch costs in and the qualifying rate flagged only where it truly applies.

Posted-rate and monoline penalty methods, plus a live break-even against a lower rate.

Grounded, explainable answers about your own mortgage — plain language in, plain language out.

The context and community to never be caught off guard.

Bank of Canada policy-rate changes explained for your situation, plus renewal and privilege-reset reminders.

A moderated forum to compare notes with other Canadian homeowners, with optional anonymity.

Switch between English and French with one click — every page, every figure, every alert.

Create a free account and add your first mortgage in minutes. No credit card required.