Amortization comparison
Compare mortgage structures to find the most efficient payoff.
Save + compare
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Create a free account to save scenarios, compare options, and share results with your broker team.
- Save unlimited scenarios and track changes over time
- Compare rate options side by side with broker feedback
- Export reports for underwriting or renewal planning
Scenarios
Add up to four structures to compare side-by-side.
Scenario A
Scenario B
Amortization comparison calculator
Compare mortgage structures to find the lowest interest and fastest payoff.
How this calculator works
Compare up to four amortization scenarios side by side.
Use this tool to test different rates, terms, and payment frequencies before committing.
Inputs you will need
- Multiple mortgage balances and rates
- Amortization lengths
- Payment frequencies
- Optional prepayments
Assumptions and limitations
- Each scenario assumes a fixed rate for its term.
- Schedules use Canadian compounding.
- No fees are included unless you add them manually.
Example scenarios
25-year vs 30-year side by side
Compare payment size and total interest on each path.
Different rates, same balance
See how a 0.5% rate shift changes interest cost.
Related tools
Save and compare scenarios
Create a free account to save scenarios, compare options side by side, and share results with your broker team.
Frequently asked questions
How many scenarios can I compare?
Up to four at a time.
Can I export comparisons?
Yes. Export reports to share with your broker team.
Does it handle prepayments?
Yes. Add prepayments per scenario to compare payoff impact.