Mortgage-Free Accelerator

Inputs

Purchase Price ($) (optional — for CMHC)

Down Payment ($) (optional)

Mortgage Amount ($)

Interest Rate (%)

Amortization (years)

Term (years)

Mortgage Levers

Payment Frequency

Amortization (years)

Increase Regular Payments (% above base payment) — typical limit: 20%/yr

Lump-Sum Now (% of mortgage) — typical limit: 20%/yr

Prepayment at Renewal (% of balance at each renewal) — typical limit: 20%

Round Up Payments (to next $10)

Results

Starting Position

Monthly Payment

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Total Term Interest Cost

—

Mortgage Free In

—

Projected Payoff Date

—

Total Interest to Payoff

—

After Adjustments

Regular Payment

—

Monthly Payment

—

Total Term Interest Cost

—

Mortgage Free In

—

Projected Payoff Date

—

Total Interest to Payoff

—

Mortgage Adjustment Impact

Monthly Payment Δ

—

Term Interest Cost Δ

—

Payoff Time Δ

—

Total Mortgage Interest Cost Δ

—

Strategy Summary

Testing your adjustments…

Change the mortgage levers to see whether your current setup is mainly improving speed, reducing interest, or raising payment with limited benefit.

Payoff change

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Interest impact

—

Payment trade-off

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Rate assumption: "Total Interest to Payoff" and payoff timeline assume today's rate of — holds for all future renewal terms. In practice your rate will change at renewal — use this as a directional comparison, not a precise forecast.