Understand every dollar of your Canadian mortgage.

No. LOONIELODGE is an informational and educational tool. It shows you accurate math on your own numbers so you can have better conversations with your lender or advisor — but it is not licensed financial advice.

The engine is built on semi-annual compounding — the Canadian standard — and supports every payment frequency including accelerated options, term versus amortization, prepayments, and rate changes. It's validated to the cent against published examples and covered by an extensive test suite. Two honest limits: the numbers are only as good as the details you enter, and where a figure depends on your contract — a break penalty, a blend, your lender's rounding — your lender's calculation governs, so we tell you to confirm it with them.

Plans start at $9.99 a month and run to $15, and paying for a year at once saves up to 40%. Every account starts with a free trial — no card — covering 2 mortgages. After that you pick the plan that matches how many you track, up to 12 mortgages, and you can move between plans at any time. The cards above show what each one includes.

Yes. LOONIELODGE is fully bilingual. Switch between English and French anytime with one click — the whole app follows.

You can cancel anytime from Settings › Billing, with no fee. There are no refunds — a payment already made is not returned — but cancelling stops the next one, and you keep full access until the end of the period you have paid for. After that, and in every other case that ends access — the trial running out, a payment lapsing — your mortgages simply become read-only: nothing is deleted, you keep your history, and subscribing again unlocks them exactly as they were.

With one line of it, worked out exactly. A Rental taxes section appears once you mark a property as a rental, and gives your calendar-year mortgage interest — line 8710 on the federal T776, and Revenu Québec's TP-128 as well — added up across every mortgage secured by that property, with part-year, rental-use and co-ownership shares applied. It tells you how much of each total came from payments you confirmed against a lender statement rather than from our projection, reconciles against your lender's January figure, and freezes a year once you mark it filed so a later correction cannot silently restate a submitted return. It is not a tax return and it is not tax advice: it covers mortgage interest only, not rent received or expenses like property tax, insurance, utilities or repairs.

Yes. Every plan covers more than one, and the largest tracks up to 12 mortgages — a rental, a cottage, a second home — each kept entirely separate, with its own schedule, prepayment privileges and renewal date. Pick the plan that matches how many you hold; moving up or down later keeps every figure you have entered.