Fixed vs Variable Mortgage Calculator for Canada
Compare fixed and variable mortgage outcomes across realistic Canadian rate paths. The calculator models total interest cost, payment changes, and stress scenarios over 5, 10, and 25 years so the fixed-versus-variable decision is based on math, not headlines.
What it compares
Total interest paid, payment volatility, and remaining balance under multiple rate-path scenarios: rates falling, flat, and rising. It also shows the penalty exposure difference between fixed and variable products on early exit.
Why it matters for investors
Debt service is the largest line item in most Canadian rental pro formas. A one-point rate difference changes cash flow, DSCR, and refinance timing — run the comparison before locking a term.