Find out whether paying off your mortgage faster or investing the difference puts more money in your pocket. Free. Takes 60 seconds.
Tell us about your mortgage
Your balance, rate, amortization, and how often you pay.
Set your investment budget
How much extra you can put to work each month, beyond your mortgage payment.
See your best strategy
We compare four strategies and show you which one puts the most money in your pocket after tax.
[ Chart Preview: 4 wealth curves over 20 years ]
See how four strategies compare over your mortgage term. Results update instantly as you adjust your numbers.
Did you know?
For a $350K mortgage at 4%, investing in an RRSP from day one can beat accelerating your mortgage by over $47,000 over 20 years, thanks to the RRSP refund reinvestment loop.
Results vary based on your income, province, and investment return.
Is this financial advice?
No. WealthPath is an educational tool that helps you compare strategies. Always consult a licensed financial advisor before making investment decisions.
What tax rules does this use?
2025 Canadian federal and provincial tax brackets for Ontario, Quebec, British Columbia, and Alberta. TFSA and RRSP contribution limits are current as of 2025.
What is the RRSP refund loop?
When you contribute to an RRSP, you get a tax refund. If you reinvest that refund back into your RRSP, you get another (smaller) refund, and so on. This "loop" significantly boosts your effective contribution.
Is my data stored anywhere?
No. Everything runs in your browser. Nothing leaves your device. No account required.
Free. No signup. 60 seconds.