Mortgage calculator
A mortgage is the longest payment most people ever sign for. This works out the payment, the interest, and how much sooner a little extra each month would free you. Recurna Flow shows the part that matters more — whether your real forecast can carry it, week by week.
Mortgage calculator
Enter the numbers and see the payment, the total interest, and how the balance falls over the amortization. Canadian fixed mortgages compound semi-annually — so that is how this calculates. No signup, no bank connection — the math runs right here.
Paying frees you sooner and saves in interest versus monthly.
Pay it off early
Paying $0 extra a month frees you sooner.
Nothing to finance.
Amortization schedule year-by-year & per payment
| Year | Principal | Interest | Balance |
|---|---|---|---|
| 1 | $8,019 | $20,585 | $391,981 |
| 2 | $8,446 | $20,158 | $383,535 |
| 3 | $8,895 | $19,709 | $374,640 |
| 4 | $9,368 | $19,236 | $365,272 |
| 5 | $9,866 | $18,738 | $355,406 |
| 6 | $10,391 | $18,213 | $345,014 |
| 7 | $10,944 | $17,660 | $334,071 |
| 8 | $11,526 | $17,078 | $322,545 |
| 9 | $12,139 | $16,465 | $310,406 |
| 10 | $12,785 | $15,819 | $297,621 |
| 11 | $13,465 | $15,139 | $284,156 |
| 12 | $14,181 | $14,423 | $269,976 |
| 13 | $14,935 | $13,669 | $255,041 |
| 14 | $15,729 | $12,875 | $239,311 |
| 15 | $16,566 | $12,038 | $222,745 |
| 16 | $17,447 | $11,157 | $205,298 |
| 17 | $18,375 | $10,229 | $186,923 |
| 18 | $19,353 | $9,251 | $167,570 |
| 19 | $20,382 | $8,222 | $147,188 |
| 20 | $21,466 | $7,138 | $125,722 |
| 21 | $22,608 | $5,996 | $103,114 |
| 22 | $23,810 | $4,794 | $79,304 |
| 23 | $25,077 | $3,527 | $54,227 |
| 24 | $26,411 | $2,194 | $27,817 |
| 25 | $27,817 | $789 | $0 |
| Payment | Principal | Interest | Balance |
|---|
Compare payment frequencies
That is the loan math. The part a calculator can't show you is whether your real balance can carry that extra payment in the month your insurance renews and the car needs tires — week by week, for the whole amortization.
Estimates only, not financial advice. Shows principal and interest at one fixed rate for the whole amortization — Canadian fixed mortgages renew each term at a new rate. Excludes property tax, home insurance, condo fees, and mortgage default insurance (CMHC), which is required with less than 20% down.