Calculateur de prêt

Estimez mensualité, remboursement total et intérêts pour un prêt amortissable.

Aucun compte requis.

Paramètres

%

Résultats

Mensualité estimée
101,28 €
Remboursement total
30 384 €
Intérêt total
15 384 €
Principal
15 000 €
Nombre de mensualités
300
Balance at term end (est.)
13 584 €
  • Estimated payment uses a 25-year amortization schedule.
  • Illustrative balance after a 5-year mortgage term is shown below.

Les calculateurs BudgetPilot sont fournis à titre informatif et éducatif uniquement. Les résultats sont des estimations et peuvent différer des calculs du prêteur en raison des frais, assurances, taxes, règles d'ajustement de taux, conventions de composition, méthodes de décompte des jours et autres conditions contractuelles.

How loans work in Canada

Canadian mortgages distinguish the mortgage term (until renewal) from the amortization period (full payoff timeline). Variable products are commonly linked to a lender’s prime rate plus or minus an adjustment — not directly to the overnight policy rate. Payment estimates use amortization; balance at term end depends on the contract.

Formula used

For equal monthly payments, the calculator uses the standard amortizing-payment formula M = P × r × (1+r)^n / ((1+r)^n − 1), where r is the monthly interest rate (annual rate ÷ 12) and n is the number of payments. At 0% interest, payment equals principal divided by term. The entered rate is an annual interest rate for estimation — not necessarily APR/DAE.

Mortgage term vs amortization

In this market, the monthly payment is based on the amortization period. The mortgage term is the period until renewal; the estimated balance at term end is shown separately.

What this does not include

Fees, insurance, taxes, early repayment rules, promotional periods, and lender-specific compounding conventions are not modeled.

Learn more: How loan interest rates work

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