We are paid the same whatever you decide about your term
No lender pays us a commission, we do not arrange mortgages and we have no deals with brokers. Our income is subscriptions, and they cost the same whether you break your term, prepay or wait.
Why this site exists
A penalty quote often arrives as a single number. We built a calculator that splits it into its methods, so you can see where the figure comes from before you speak to your lender.
Cindrus itself is a platform where people see their mortgage, other loans and bank balances together. Using this page costs nothing and requires no login.
What we do not do
We give no advice. We are not a lender, a broker or a financial adviser. You get arithmetic and sources; the decision stays with you.
We do not know your lender's posted rates or its exact formula. Where something is unknown to us, we say so, and every assumption sits next to the result.
Questions and corrections
Send questions and corrections through the support page on cindrus.com. cindrus.com/support/
Try it before you call anyone
The calculator is free and works without an account.
Use the calculator