Compare Strategies. See Years Saved.
Side-by-side mortgage scenarios with lump sums, accelerated payments, and a visual payoff timeline. Built for borrowers who want to think like a strategist.
Your Mortgage
Set the starting principal and home value. Compare two strategies below.
Status Quo
Your baseline — what most borrowers do.
The Strategy
Change one thing or stack them all.
Strategy B vs. Strategy A
Calculations update live. All payments use Canadian semi-annual compounding.
| Metric | Strategy A | Strategy B | Difference |
|---|---|---|---|
| Regular payment | $0 | $0 | — |
| Payments / year | — | — | — |
| Payoff time | — yr | — yr | — |
| Total interest paid | $0 | $0 | — |
| Total paid | $0 | $0 | — |
| Balance after term | $0 | $0 | — |
Most lenders cap prepayment privileges at 15–20% per year. Some let you double payments, others restrict you to anniversary lump sums only. I'll match you to a lender whose prepayment terms fit your strategy.
Find a Lender That FitsBalance Over Time
How the principal drops under each strategy. Steeper = faster payoff.
Send Your Strategy to Kat
Want me to model your real mortgage with current rates and lender prepayment rules? Send this scenario and I'll respond within one business day.
How this calculator works
Accelerated bi-weekly: Your monthly payment divided by 2 and paid every two weeks. Because there are 26 bi-weekly periods in a year (vs. 24 semi-monthly), you make the equivalent of one extra monthly payment per year — which knocks years off your amortization.
Lump sums: Most A-lender mortgages allow 15–20% prepayment per year (of original principal). Some require it in one shot on the anniversary; others let you spread it throughout the year. Always check the fine print before signing.
Extra each payment: Adding $100 to every payment is one of the most powerful — and most underused — prepayment tools. Because it goes directly to principal, the interest savings compound over the whole amortization.
Variable vs fixed: Historically, variable wins about 75% of the time over a 30-year horizon — but the last 3 years have been the exception. If rates are at the top of the cycle, a short fixed term (2 or 3 year) often beats both.
Let's build yours.
I don't just shop rates. I match you to a lender whose prepayment terms, port options, and renewal flexibility fit how you actually want to pay this thing off.