Welcome to RateCompass

Know what interest rates mean for your money.

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Continue tracking your rates and alerts.
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Bank of Canada alerts, personal rate impact estimates, and mortgage, savings, GIC, and prime tracking.

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Save your RateCompass profile and notification settings.
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What this enables

Rate alerts, saved impact assumptions, renewal timing, and future RateCompass Plus reports.

Your Mortgage Picture

Step 1 of 4

Do you currently have a mortgage?

Timing Matters

Step 2 of 4

Any mortgage decision in the next year?

Savings & GICs

Step 3 of 4

Do you hold savings or GICs?

Your Main Goal

Step 4 of 4

What matters most right now?

Your Snapshot

A calmer starting point

Your first focus is mortgage timing.

RateCompass will help you watch renewal timing, compare quotes, and understand rate movement before the decision feels rushed.

Recommended focus

Renewal visibility

Track rate direction and what it could mean for payment planning.

High
Rate Check

Compare bank quotes before accepting them.

Useful
Alerts

Watch Bank of Canada decisions and personal rate moments.

2 Core

Good Morning

RateCompass by The Wealth Map
⌖
RateCompass Signal

Reference Baseline

Verified rate anchors are in place. Forecast signals stay muted until a live model is connected.

Ref
BoC policy / Prime
2.25% / 4.45%

Reference values checked Jun 5-10, 2026. Institution rows remain sample until live feeds are connected.

Next Bank of Canada Decision

Jul 15, 2026

Policy rate2.25%
Last decisionHold
MovementUnchanged

Held Jun 10, 2026. Last cut Oct 29, 2025. Forecast probabilities are hidden until a live model is connected.

Verified source: Bank of Canada policy-rate reference.

Today's Snapshot
MortgageLikely Lower
SavingsStable
GICMixed
PrimeHold

For You

Mortgage renewal

possible savings if rates soften

$94/mo
Savings account

possible upside from switching

$180/yr
Line of credit

prime-linked debt can move quickly

Watch

Planning Centre

Keep mortgage renewal and GIC maturity dates visible, with practical next steps.

Guidance

Turn rate signals into practical questions and next steps.

Rates

Canada-first market view
Mortgage Term
V1 includes common term views. Personalized term-fit guidance stays a future Plus feature.
New to rate terms?

Mortgage Outlook

Likely Lower

Fixed mortgage rates are watched through lender pricing and bond-yield trends.

Why this matters: Your renewal timing can change how useful fixed-rate trends are.

Last checked: Jun 5-10, 2026. Institution rows are sample until live feeds are connected.

DirectionLikely Lower
Primary driverBond yields
Rate rowsSample
Institution Watchlist

My Impact

Personalized estimates from sample data
Your Accounts

Current Snapshot

Mortgage 1

Renewal is 6 months away.

$475,000 at 4.90%
GIC 1

Maturity is 12 months away.

$25,000 at 4.15%
Prime-linked debt

Watch for policy-rate and prime-rate changes.

$18,000

Rate Change Scenario

Mortgage 1

At 4.40%, your payment would decrease.

$142/mo
GIC 1

At 3.65%, annual interest would decrease by about $125, to about $913 per year before tax.

-$125/yr
Prime-linked debt

Lower rates reduce interest cost.

-$90/yr

Opportunity Report

Mortgage

If renewal rates move from 4.90% to 4.40%, payment impact is clearer because we know your balance and timing.

$142/mo
GIC

Your current GIC estimates about $1,038/year. At maturity, a 0.75% better reinvestment rate could add about $188/year.

+$188/yr
Debt

$18,000 in prime-linked debt should stay visible.

Prioritize

Planning Centre

Renewals, maturities, and next steps

Core tracking

Core

Track one mortgage renewal and one GIC maturity. Plus supports multiple items and reminder history.

Dates and statuses are stored on this device in the prototype. The web preview does not send system notifications, and cloud sync requires a production account service.

Rate Check

Check a bank quote against sample benchmarks

Quote Details

Compare a quoted rate from your bank against the current sample benchmark.

Quote rating

Fair
Benchmark 4.39%

Compared with a 4.39% weighted sample benchmark, this quote is weaker than the current sample view but still within the fair range.

Weighted sample benchmark catalog. Last checked: Jun 12-14, 2026. 5-year fixed sample benchmark.

How To Use It

Tip

Mortgage rates and LOC/HELOC prime spreads score better when they are lower.

Tip

GIC and savings quotes score better when they are higher.

Tip

The benchmark quietly gives more weight to major Canadian bank comparables.

Tip

Restrictions, penalties, deposit insurance, and promo expiry still matter.

Guidance

Turn rate signals into practical next steps
*

This Week

Check the Bank of Canada date, review your renewal or maturity timeline, and decide whether any rate-sensitive item needs attention.

⌂

Before You Renew

Start 4-6 months ahead

Use RateCompass to compare your current rate, renewal timing, and fixed or variable exposure before accepting a renewal offer.

1Ask your lender for the renewal offer and payout details.
2Compare at least one broker or competing lender quote.
3Use My Impact to test payment changes before choosing a term.
↓

When Rates Fall

Look for opportunity

Lower rates can help borrowers, but they can also reduce savings and GIC returns.

1Review variable mortgage, HELOC, and line of credit costs.
2Watch savings promos before moving cash.
3Check whether locking a GIC still fits your timeline.
↑

When Rates Rise

Protect cash flow

Higher rates can raise borrowing costs but may improve some savings and GIC opportunities.

1Stress-test mortgage and debt payments.
2Prioritize expensive prime-linked debt.
3Compare GIC terms before chasing the highest posted rate.
?

Questions To Ask

Use before a call

Bring clear questions to your bank, broker, or advisor so rate conversations stay practical.

1What rate, term, and payment options are available today?
2What penalties, fees, or restrictions apply?
3How would this choice change if rates moved by 0.50%?

Terms Index

Plain-language rate terminology

Mortgages And Debt

Default insured mortgage

A mortgage where insurance protects the lender if the borrower cannot repay. These rates can differ from uninsured mortgages because lender risk is different.

Uninsured mortgage

A mortgage that does not have default insurance. Rates may be higher when the loan, property, or borrower profile creates more lender risk.

Variable mortgage

A mortgage where the rate is tied to prime. The cost can change when lenders change prime after Bank of Canada decisions.

Prime rate

A reference lending rate set by banks, often influenced by Bank of Canada policy-rate changes. Variable mortgages, HELOCs, and lines of credit are commonly priced from prime.

Prime + spread

A rate shown as prime plus an extra amount, such as Prime +0.50%. HELOCs and lines of credit are often quoted this way.

HELOC

A home equity line of credit secured by your property. It is usually quoted as a spread over prime.

GICs

Non-redeemable GIC

A GIC where the money is usually locked in until maturity. The tradeoff is often a stronger posted rate.

Redeemable GIC

A GIC that may allow early access before maturity. The tradeoff is usually a lower rate than a non-redeemable GIC.

Cashable GIC

A GIC designed for easier access to funds, often after a short waiting period. The rate is usually lower because flexibility has value.

Savings And Comparisons

High-interest savings account

A savings account that aims to pay more than a standard account. The rate can depend on the institution, balance, and conditions.

Promo rate

A temporary savings or GIC offer. It can be attractive, but expiry dates, limits, and conditions matter.

Weighted benchmark

A sample comparison point that gives more influence to major Canadian bank rates while still considering smaller or online institution samples.

Quote rating

A plain-language score that compares a quoted rate or prime spread against the current sample benchmark.

Profile

Settings for a focused MVP

Notification Toggles

Core includes 2 active alerts. RateCompass Plus unlocks unlimited alerts and saved alert history.

Bank of Canada announcements iReceive reminders before scheduled Bank of Canada decisions and a plain-English summary when the rate decision is released.
RateCompass signal updates iGet notified when verified rate movement or future forecast signals meaningfully change.
Personal impact alerts iReceive alerts tied to your own mortgage renewal, GIC maturity, savings opportunity, or prime-linked debt exposure.
Mortgage renewal reminders iReceive reminders as your renewal date approaches, with prompts to compare options, review penalties, and watch the current rate outlook.
GIC maturity reminders iReceive reminders before your GIC matures, with prompts to compare current rates, avoid weak auto-renewals, and review reinvestment options.
Wealth Map tips iReceive short educational tips from The Wealth Map, such as how rate changes affect mortgages, savings, GICs, and debt.

Data Sources

Checking the Bank of Canada live reference...

Privacy & Cloud Saving

Preview data stays on this device

The protected database and per-user privacy rules are prepared. The hosted account service is not connected to this preview yet.

Local

Passwords are not stored by this preview. Financial details are not included in analytics or notification previews.

Learning Preferences

Keep plain-language terms available while you are learning the app.

V1 Scope

Canada-first launch. Consumer users first. Professional users later. No ads in the premium experience.

RateCompass Plans

RateCompass Core

Rate dashboards, basic Rate Check, one mortgage, one GIC, and 2 active alerts.

$24.99/yr
RateCompass Plus

Multiple saved items, unlimited alerts, quote history, custom watchlists, and personalized opportunity reports.

$39.99/yr

Both plans include a 14-day free trial. No ads in the paid experience.

Before You Choose

See where RateCompass can help

RateCompass helps you compare rate offers, track renewal timing, and understand what rate changes mean for your money.

Pick the situation that feels most familiar. The app will show how it can help before you choose a plan.

Your Rate Moment

What the app helps prevent
Best fit Rates are easier when you know what to ask.

RateCompass gives you a clearer view before you make a decision.

How RateCompass Helps

1

Compare the rate against a benchmark before accepting it.

2

See how the decision may affect your own mortgage, GIC, savings, or debt.

3

Use reminders and saved context so important dates do not slip by.

Your setup is ready

Start with 14 days free

RateCompass helps you compare rate offers, track renewal timing, and understand what rate changes mean for your money.

CompareCheck a quoted rate before accepting it
WatchTrack Bank of Canada and prime moves
PlanSee mortgage, GIC, savings, and debt impact
AlertKeep important rate moments visible

How RateCompass helps over time

Today
See your rate snapshot

Start with the rate categories and alerts that match your setup.

Before
Prepare for the bank conversation

Use Rate Check and the terms index before accepting a quote.

Later
Stay ahead of renewal or maturity dates

Use saved items, scenarios, and alerts as decisions get closer.

Choose your access

Yearly is selected by default for the best value. Monthly is available for flexibility.

Best start

RateCompass Core

$24.99/yr
Monthly option: $2.99/mo
Save 30% yearly

For checking rates, impact, and two key alerts.

More personal

RateCompass Plus

$39.99/yr
Monthly option: $4.99/mo
Save 33% yearly

For multiple items, unlimited alerts, and deeper reports.

Side-by-side features

Feature
Core
Plus
Rates dashboard
Yes
Yes
Bank of Canada watch
Yes
Yes
Prime outlook
Yes
Yes
Rate Check
Basic
Saved history
Quote rating
Yes
Yes
Terms index
Yes
Yes
Data source notes
Yes
Yes
Mortgages
1
Multiple
GICs
1
Multiple
Alerts
2 active
Unlimited
Scenario testing
Basic
Deeper
Opportunity reports
-
Included
Custom order
-
Included

Prototype only. Purchase flow will connect later.

Prototype only. Purchase flow will connect later.