Smith Maneuver Calculator Results

Based on your Canadian mortgage and investment inputs

Your Input Parameters

Current Mortgage Balance: $450,000

Mortgage Interest Rate: 4.5%

Payment Frequency: Bi-weekly

Expected Returns: 7.5%

Marginal Tax Rate: 43.5%

HELOC Limit: $150,000

Projection Period: 25 years

Summary of Benefits

Total Tax Savings

$78,450

Investment Growth

$243,780

Years Saved on Mortgage

5.7 years

Net Worth Increase

$322,230

Year	Tax-Deductible Interest	Tax Savings	HELOC Balance	Investment Value
1	$2,475	$1,077	$18,500	$19,888
2	$4,950	$2,153	$37,000	$41,630
3	$7,425	$3,230	$55,500	$65,420
4	$9,900	$4,307	$74,000	$91,452
5	$12,375	$5,383	$92,500	$119,923

Side-by-Side Comparison

Standard Mortgage Scenario

Total Interest Paid: $267,345

Mortgage Freedom: 25 years

Investment Growth: $0

Tax Savings: $0

Net Worth After 25 Years: $450,000

Smith Maneuver Scenario

Total Interest Paid: $188,895

Mortgage Freedom: 19.3 years

Investment Growth: $243,780

Tax Savings: $78,450

Net Worth After 25 Years: $772,230

Net Worth Growth Projection

IMPORTANT DISCLAIMER

All results are estimates for informational purposes only. Actual results may vary significantly based on market conditions, tax law changes, and individual circumstances. Users must consult with qualified financial advisors, tax professionals, and mortgage specialists before implementing any Smith Maneuver strategy.

Smith Maneuver Tax Savings Calculator for Canadian Homeowners