Tools
Mortgage payments
Calculate your mortgage payments using the Canadian convention (semi-annual compounding).
Prepared by Groupe Conseil Sabin Painchaud
Prepared on September 21, 2026
Your mortgage
Your mortgage
Payment frequency
2 036 $
Payment (monthly)
260 685 $
Total interest
610 685 $
Total cost
25 yrs
Actual term
Remaining balance
Estimate for guidance only (semi-annual compounding, fixed rate). Does not account for taxes, insurance or fees. Contact us for a personalized analysis.
Calculation assumptions
- The interest rate is fixed for the entire term and compounded semi-annually, per the Canadian mortgage convention.
- The payment is calculated to amortize the full balance over the chosen amortization period, at the selected frequency.
- Accelerated payments correspond to the monthly payment split and paid more often (equivalent to one extra month repaid per year).
- No property tax, mortgage insurance or other fees are taken into account.
Next step
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