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Scenarios

Modeled “what if” outcomes: prepayments, refinance tradeoffs, and ARM paths. Each article links to a pre-loaded scenario you can edit.

Prepay and refinance outcomes

Scenario

Mortgage Calculator with Extra Payments: How Much Can You Save?

On a $320k US loan at 6.5%, adding $250/mo cuts total interest by about $123k and pays off 93 months sooner.

Updated Apr 9, 2026

Scenario

Refinance sense check: payment drop vs new interest cost

We modeled $278k remaining at 6.875% on 22 years vs a $285k new 30-year at 5.875%: payment falls about $367/mo but lifetime interest rises.

Updated Apr 9, 2026

Scenario

Pay off your mortgage early: 3 US strategies compared

On a $380k loan at 6.50%, a $20K lump sum, $300/mo extra, or $200/mo bi-weekly equivalent save $101k-$147k in interest.

Updated May 28, 2026

ARM path modeling

Scenario

How to model a US ARM mortgage before you borrow

A 5/1 ARM at 5.90% on $360k starts near $2,135/mo P&I; lifetime modeled interest lands near $409k with caps and index assumptions.

Updated Apr 9, 2026

Canadian renewal scenarios

Scenario

Canadian renewal shock: modeling a 3.49% to 6.25% jump

A $416k Ontario mortgage locked at 3.49% renews at 6.25%: payment jumps $531/mo (+26%) and lifetime interest rises by $127k over the remaining 20 years.

Updated Apr 20, 2026

Canadian rate strategy

Scenario

Mortgage break penalty in Canada: how IRD is calculated

On a $500,000 fixed mortgage at 5.50% with 18 months remaining, the IRD penalty is $10,800 - more than the rate savings over that period.

Updated Jun 8, 2026

Community Q&A (Reddit)

ScenarioFrom Reddit

How mortgage prepayment works: $10K extra on a $100K loan

A $10,000 one-time payment on a $100,000 loan at 6% skips roughly 80 payments on the amortization table and saves about $38,125 in interest.

Updated May 15, 2026

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