Mortgage Planner

Inputs

House price

Down payment

Amortization

Payment schedule

Extra payment

Base rate · default term

Compounded semi-annually · term change resets schedule

Renewal schedule

Monthly Payment

—

Loan Amount

—

All-in / month

—

incl. taxes, insurance, bills

Total Interest

—

Total Cost

—

payments + down payment

Payoff time

—

Cash needed to close

Down payment—

Welcome tax (Bienvenue)$

Notary fees$

Title insurance$

Inspection$

Moving$

CMHC QST (9%)$0

Total cash—

Monthly carrying cost

Mortgage payment—

Municipal tax$

School tax$

Home insurance$

Maintenance ~1%/yr est$

Utilities$

Internet$

Total / month—

Balance over time

paid off in —

Balance Comparison Renewal

Principal paid

Principal paid Comparison

Interest paid

Interest paid Comparison

🏘️ Home appreciation

Annual appreciation

Property value Equity (value − balance) Remaining balance

Value at payoff

—

Equity at payoff

—

Net gain (equity − interest)

—

🏠 Rent vs. Buy — net worth

Market return

Net worth — buying Net worth — renting (DP invested)

Buyer net worth at payoff

—

equity + appreciation − total interest

Renter net worth at payoff

—

invested down payment compounding at market rate

💰 Lump-sum payment

Amount

At year

—

Enter an amount to see interest saved

📋 Prepayment privilege

Lender allows

You plan to use

—

Max annual penalty-free prepayment on your loan

🏠 vs Rent break-even

Monthly rent

Rent increase / yr

—

Year owning becomes cheaper than cumulative rent

Show payment schedule

#	Rate	Start Bal.	Payment	Interest	Principal	End Bal.

Welcome tax and CMHC brackets seed editable fields (Montreal estimates). Maintenance, insurance, utilities and internet are your inputs. Appreciation model and Rent vs Buy use configurable annual rates; market return is applied to the down payment for the renter. Scenario comparison snapshots up to 3 sets of inputs. Planning tool only.