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Debt consolidation calculator

Move the sliders to see what rolling your credit cards and loans into your mortgage could save you each month, each year and over the years left on your mortgage.

Debt consolidation savings

Monthly savings

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Per month in your pocket

Yearly savings

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Every year going forward

$400,000
$50,000
20.00%
5.50%

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Current monthly

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New monthly

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Debt interest saved per year

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Saved over the years left

Get your real numbers, free

Estimate only, using the rates you enter. Payments use Canadian semi-annual compounding over the years left. For debts, it compares a year of interest at your debts’ rate with the same amount at the new rate. Your real rate depends on your equity, credit, income and property, and every mortgage is subject to lender approval (O.A.C.).

How this calculator works

We compare a year of interest on your debts at their rate with the same amount at the new rate, and add your regular mortgage payment to both. Payments use Canadian semi-annual compounding. It’s an estimate using the rates you enter, not an offer: your real rate depends on your equity, credit, income and property, and every mortgage is subject to lender approval (O.A.C.).

Find out what you could save.

A free, no-obligation review. We’ll look at your current mortgage and show you exactly how much you could be saving. No pressure. Just numbers.