Calculator
Mortgage payment calculator
Enter your numbers. We use Canadian semi-annual compounding — the same math your lender uses at closing.
Monthly
$3,874.02
12 payments / year
Biweekly
$1,788.01
26 payments / year
Accelerated biweekly
$1,937.01
Half of monthly × 26 — pays off years sooner
Total interest
$482,205
Over 25 years at 4.79%
Loan amount: $680,000. Accelerated biweekly is the fastest legal way to pay down a Canadian mortgage without changing terms — you make one extra monthly payment per year without noticing.
Scenario only — not a pre-approval. Real rates depend on lender, credit, and property.