My Reality

What I Owe

For what you already have: a mortgage, a car loan, cards, lines of credit. See where you stand today and how different choices change your debt-free date.

You're using What If as a guest, so this is not saved: it's gone when you close the app. Sign in or create a free account to keep it on your dashboard, on any device.

Your mortgage today

Everything is on your mortgage statement or your lender's app.

How much is still owed?

Interest rate

Lowest advertised today: about 4.44% (5-year fixed) or 3.68% (5-year variable). Yours is on your mortgage statement.

How often do you pay?

Your payment amount (each payment)

Don't know it? Leave it blank and enter the years left below. We'll estimate it.Years left to pay it off (optional)

Called the remaining amortization on your statement.When does your term end? (optional)

Your renewal date. We'll show what the payment could look like at today's rates.When did it start? (optional)

Payment day of the month (optional)

Adds a reminder to your calendar and dashboard.Home value today (optional)

What similar homes nearby sold for. Used for your net worth.

Enter what's still owed, the rate, and your payment (or years left) to see your mortgage-free date.

Today's rates in these tools were checked on November 6, 2026 (Bank of Canada policy rate 2.50%, prime 4.70%).