What if your mortgage could build wealth?
Find out whether paying off your mortgage faster or investing the difference puts more money in your pocket. Free. Takes 60 seconds.
Calculate My StrategyHow It Works
Tell us about your mortgage
Enter your balance, rate, and amortization period. We handle the Canadian semi-annual compounding math.
Set your investment budget
How much extra can you invest each month beyond your mortgage payment? We compare TFSA and RRSP strategies.
See your best strategy
Get a clear winner backed by real Canadian tax math. Four strategies compared side-by-side over your full mortgage term.
See Four Strategies Compared
Total After-Tax Value Over Time
Includes TFSA/RRSP + taxable overflow (respecting contribution limits)
Sample: $350K mortgage at 4%, $500/mo extra at 8% return, $100K salary in Ontario.
Did you know?
For a $350K mortgage at 4%, investing in an RRSP from day one beats accelerating your mortgage by $47,000 over 20 years, thanks to the RRSP refund reinvestment loop and tax arbitrage between your working and retirement tax rates.
Results vary based on your income, province, and investment return.
Frequently Asked Questions
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