A 100 rating is uncommon and only appropriate when there is no clear reason to deduct a point. Most mortgage payment calculators estimate. They simplify compounding, ignore timing details, and assume a generic start date. The result is often close, but not exact.

Sukru’s calculator does not take those shortcuts. It follows Canadian lender standard mortgage math precisely, including semi annual compounding, correct fixed and variable rate treatment, and exact accelerated payment logic. The payment shown is the payment produced by lender formulas, not an approximation.

The amortization fully reconciles with the payment. Principal, interest, balances, and totals remain internally consistent across payment frequencies and terms. The calculator also handles timing correctly by showing the Interest Adjustment Date (IAD), the estimated interest adjustment, and the first actual payment date.

A rare capability is that the amortization start date can be set in the past, present, or future. This allows users who already have a mortgage to verify their current amortization schedule, and allows new buyers to plan based on realistic funding dates.

Average users can enter a price, down payment, and rate and get a payment immediately using sensible defaults. Users who want more detail can explore full amortization tables, equity progression, payment frequency impacts, and export results, without affecting basic usability.