Add your renewals
Add a renewal to your mortgage for each term, with when it renews and the rate you expect.
Mortgage renewals · free to start
See what your renewal does to your plan.
The Bank of Canada raised its policy rate to 2.5% on October 28, 2026. Add your renewal and the rate you expect. Kilter works out your new payment and what it changes for your retirement.
Your mortgage · $480,000 left over 22 years
- 1Today at 4.6%Your rate on the balance sheet$2,882/mo
- 2Renews Mar 2028 at 5.5%$227 more a month$3,109/mo
- 3Renews Mar 2033 at 4.5%$201 less a month$2,908/mo
Your plan: a 91% chance of success with both renewals.
How it works
Try your renewal rate before you renew.
Your Kilter plan covers your savings, spending and retirement, with federal and provincial tax worked out every year. Your mortgage renewals are part of it, so you see what a new rate means for everything else.
See your new payment
Kilter works out your monthly payment at each new rate.
See it in your plan
Your chance of success and net worth update as you type, across 2,000 simulations of market returns. Try 4.5%, 5.5% and 6.5% and watch what changes.
Or ask the assistant
Ask what renewing at 5.5% would do. The assistant shows your plan next to the proposed one, and nothing changes until you apply it. The assistant comes with Core and Plus.
Each plan tries its own rates
Your mortgage today stays as it is. Renewals are part of your plan, so each plan can try its own rates. With Core, Compare puts them side by side.
Lines of credit too
Add rate changes to a line of credit or another loan and see when it’s paid off.
Variable-rate mortgages with a fixed payment aren’t covered yet. Kilter doesn’t work out Quebec tax.
Try Kilter free while it’s in alpha.
You get every Plus feature and don’t need a card. Your first plan takes a few minutes.
Start free