Visual Mortgage Calculator

Watch your home fill in as you build equity — and see how rapid payments, bigger payments, and lump sums get you mortgage-free faster.

0% owned by —

On schedule Rapid payments Additional payments Lump sums

Mortgage overview

Fully owned by

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Time saved

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Interest saved

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Total interest Paid (life)

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Mortgage free timeline—

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nowbaseline payoff

Your mortgage details

Mortgage balance ($)

Interest rate (%)

Amortization (years)

Term (years)

Payment frequency · accelerated = rapid payments

Regular payment (Mthly)—

Balance after term—

Prepayment levers

Lump-sum prepayment ($)

Lump frequency

Annual privilege cap

Increase each payment

Payment-increase privilege (max +100%)

Past the typical +100% doubling ceiling — lenders vary.

Canadian fixed-rate math (compounds semi-annually, not in advance). Privilege caps and the +100% ceiling are representative defaults and vary by lender. Colour attribution between levers is sequential (schedule → rapid → bigger payment → lump); the totals are exact, only the split between colours depends on stacking order. The house fills toward 100% (full journey to mortgage-free); the snapshot shown is your equity at the end of the selected term. Concept prototype — not financial advice.