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Contabilidad y finanzas

Canadian Mortgage Prepayment & Renewal Optimizer

A Canadian mortgage is compounded semi-annually by law, not monthly - a calculator that divides the quoted rate by twelve is answering a different question. On $400,000 at a quoted 5.5% over 25 years, the correctly-derived monthly payment is $2,441.57. Prepayment privileges are use-it-or-lose-it per year and capped as a percentage of the ORIGINAL principal, not the current balance: a 15% privilege on that mortgage is $60,000 a year, and paying $20,000 of it saves $11,790.53 of interest over a 5-year term and leaves $244,959.47 owing at renewal instead of $356,750.00. At renewal, the same $244,959.47 balance costs $165,528.62 in interest over the remaining 240 months at a 5.75% renewal rate, or $150,841.49 including a $1,500 fee at a 5.25% competing rate - switching is $14,687.13 cheaper here, and stays cheaper up to a $16,187.13 fee.

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Este producto esta hecho para el mercado: Canada.

Contabilidad y finanzas

Canadian homeowners approaching a mortgage renewal, and anyone deciding whether an annual lump-sum prepayment is worth making before that renewal date.

Cómo funciona

  1. Enter your principal, quoted rate, amortization and term - the payment shown is the one that rate and term actually produce.
  2. Enter the extra amount you plan to prepay each year; it is capped at the privilege you enter, not assumed to be free.
  3. Enter your lender's renewal rate and a competing rate with its switch fee.
  4. Read which option costs less over the remaining amortization, and by how much.

Qué obtienes

  • Derives the monthly rate the way the Interest Act actually requires for a Canadian fixed-rate mortgage - the quoted rate compounded SEMI-ANNUALLY, converted to its monthly equivalent - not the annual rate divided by twelve
  • Caps any extra payment at the prepayment privilege entered, a percentage of the ORIGINAL principal per year, and says plainly how much of an over-privilege payment is actually applied rather than treating all of it as free
  • Shows interest paid over the current term with and without the extra payment side by side, so the saving is a number and not an assumption
  • Compares a real stay-or-switch renewal decision on the SAME remaining balance and the SAME remaining amortization, so only the rate and the one-time fee differ

Captura de pantalla

Canadian Mortgage Prepayment & Renewal Optimizer

Detalles técnicos

Estándar50.99 USD · 1500 solicitudes · licencia de 31 días · pago único · acceso de 31 días
Pro101.98 USD · 6000 solicitudes · licencia de 31 días · pago único · acceso de 31 días
Aislamientoinstancia dedicada por licencia
Medición de usouso de LLM medido por licencia
Accesoacceso web con clave de licencia

Como configurar y usar

  1. Compra la licencia — tu clave (lic_...) aparece en la pagina del pedido y en tu correo.
  2. Inicia sesion en app.synoriaai.com con tu clave de licencia.
  3. Sin instalacion — el producto funciona en el navegador, en tu instancia aislada.
  4. 1. Enter your mortgage details: original principal, current term rate, remaining balance, and remaining amortization.
  5. 2. Input your annual prepayment privilege (as a percentage of the original principal) and the extra amount you plan to pay each year.
  6. 3. Click 'Calculate Prepayment' to see the interest paid over the current term with and without the extra payment, plus the exact amount applied (capped if over your privilege).
  7. 4. For renewal, enter your current lender's renewal rate, the competing lender's rate, and any one-time switch fee.
  8. 5. Click 'Compare Renewal' to see which option is cheaper and the exact switch fee at which both offers cost the same.

Preguntas frecuentes

How does the tool calculate the monthly rate for my mortgage?

It uses the rate compounding semi-annually as required by Canada's Interest Act, then converts that to an equivalent monthly rate. It does not simply divide the annual rate by 12.

What happens if I enter an extra payment that exceeds my prepayment privilege?

The tool caps the applied extra payment at your annual privilege (a percentage of the original principal) and clearly shows how much of your payment is actually applied versus the excess that would not be allowed.

Does the tool store or transmit my entered data?

No. All calculations happen locally in your browser. Your mortgage amounts, rates, and fees are never sent to a server or saved.

Con stablecoins USDT o USDC en una de las redes mostradas al pagar. Escaneas un QR con el importe exacto rellenado — no hace falta tarjeta ni conectar una cartera.
El pago se detecta on-chain y se asocia a tu pedido por su importe único. Tras las confirmaciones, se genera tu clave de licencia y se prepara tu instancia del producto; la página del pedido se actualiza sola.
No. Haces un pago único en stablecoin por una licencia de 31 días con una cuota fija de solicitudes. No hay renovación automática — para seguir usándolo, simplemente compras de nuevo.
Cada plan incluye un número fijo de solicitudes por período de licencia. Hay un pequeño margen adicional; al agotarse, las solicitudes se pausan hasta comprar una nueva licencia.
Sí. Cada licencia corre en su propia instancia aislada con su propio directorio de datos — los clientes nunca comparten instancia ni datos.
Los pagos on-chain nunca se pierden. Guarda tu número de pedido y contacta con soporte; el pago siempre puede asociarse a tu pedido.
Cada producto se construye para su mercado objetivo y usa el idioma de ese mercado; esta tienda está disponible en 9 idiomas.

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