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 inside a secure dashboard 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
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Interactive calculator
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
Use this payment output in the next decision
Payment and amortization scenarios matter most when they connect to a rate, a contract strategy, and a broker-reviewed fallback plan if rates move or priorities change.
Guides
Read the Canada-specific playbook before you commit to the next step.
Execution
Use the broker workflow, rates pages, or secure dashboard to move from estimate to action.
Save and compare scenarios
Create a free account to save scenarios, compare options side by side, and share results with your broker team.
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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.