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A Utilitas planning studio
Find the payment. See the whole path.
Model a mortgage from first offer to final payment with transparent assumptions, stress tests, scenario comparison, and downloadable plans.
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- Local-only scenario storage
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CAD planning estimate
Regular payment$2,950.77per monthly period
Loan amount$520,000
Total monthly housing$3,485.77
Total interest$365,231
Paid off25 years
Balance and cumulative interest
The chart updates immediately from the assumptions in this browser.
The balance reaches $0 after 25 years, with $365,231 of cumulative interest in this model.
View chart values as a table
| Period | Remaining balance | Cumulative interest |
|---|---|---|
| Year 1 | $508,811 | $24,220 |
| Year 2 | $497,084 | $47,902 |
| Year 3 | $484,793 | $71,020 |
| Year 4 | $471,911 | $93,548 |
| Year 5 | $458,410 | $115,457 |
| Year 6 | $444,261 | $136,716 |
| Year 7 | $429,431 | $157,296 |
| Year 8 | $413,889 | $177,163 |
| Year 9 | $397,599 | $196,282 |
| Year 10 | $380,527 | $214,619 |
| Year 11 | $362,634 | $232,135 |
| Year 12 | $343,881 | $248,792 |
| Year 13 | $324,226 | $264,546 |
| Year 14 | $303,627 | $279,357 |
| Year 15 | $282,038 | $293,177 |
| Year 16 | $259,412 | $305,959 |
| Year 17 | $235,697 | $317,654 |
| Year 18 | $210,843 | $328,209 |
| Year 19 | $184,795 | $337,570 |
| Year 20 | $157,494 | $345,678 |
| Year 21 | $128,881 | $352,475 |
| Year 22 | $98,893 | $357,896 |
| Year 23 | $67,463 | $361,876 |
| Year 24 | $34,523 | $364,345 |
| Year 25 | $0 | $365,231 |
Planning estimate only. Lenders use their own qualification, compounding, rounding, insurance, fee, tax, and contract rules.
Nine connected tools
A mortgage is more than a monthly payment
Move from affordability to closing, renewal risk, payoff, and long-term alternatives without re-entering the core scenario.
01
Mortgage payment
Model principal, interest, taxes, insurance, fees, and payment frequency.
02Home affordability
Estimate a prudent price range using income, debt, housing costs, and a cash buffer.
03Extra payment payoff
Compare recurring, annual, and one-time prepayments, interest saved, and a target payoff date.
04Refinance break-even
Compare remaining cost, fees, penalties, break-even month, and total interest.
05Amortization schedule
Inspect every payment or yearly rollups, principal progress, and renewal balance.
06Closing cost planner
Calculate Ontario, Toronto, or B.C. transfer tax and plan legal fees, moving, and reserves.
07Rent versus buy
Compare unrecoverable costs, equity, investment opportunity cost, and break-even.
08Rate stress test
See payments and debt ratios across higher-rate scenarios before renewal.
09Reverse mortgage projection
Project a growing loan balance and remaining home equity under transparent assumptions.
Built to help you question the number.
Visible assumptions
Rates, fees, growth, debt ratios, and compounding choices are editable.
Planning, not selling
No lead form, lender ranking, personalized quote, or hidden recommendation.
Mortgage field notes
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