Your household's net interest, on one needle

What your debts cost, minus what your savings earn, in dollars per day. Then see where the needle goes if the Bank of Canada moves. It runs in your browser, and nothing you type is uploaded or stored.

Policy rate 2.25% · big-bank prime 4.45% (checked Oct 24, 2026)

The NORDIAL needle

−0.50 −0.25 Hold +0.25 +0.50

Pick a Bank of Canada move. The faint needle is today, the bright one is after.

After a +0.25 hike, your net

$0.00/day

Today: $0.00/day · —

$0.00change per day

$0per month

$0per year

Assumes the full move passes through to prime and to rates you mark as following it. Simple interest on today's balances (balance × rate ÷ 365).

Sheet + needle chartPrintable dialPrepay log

Keep the needle on your desk: the NORDIAL Desk Dial Kit

A spreadsheet that tracks your net interest per day with a live needle gauge, a prepayment log that counts the interest you've avoided, and a printable fridge dial. Excel, Google Sheets, Numbers.

Get the kit · C$9 → Bundle with Rate Hike Kit · C$15

Bundle = Desk Dial Kit + Rate Hike Survival Kit (C$21 if bought separately).

Want a real needle on your fridge?

We're building NORDIAL N1, a physical dial with a real needle that re-tunes itself on Bank of Canada decision days. Tap below to say you'd want one. It's an anonymous count: no email, no name, no cookie.

Notify me when the physical dial is ready

Your balances and rates

Showing an example household. Type your own numbers.Clear all

My savings rate follows the Bank of Canada (most HISAs move with it; GICs don't until renewal)

Rates are pre-filled with typical Oct 24, 2026 numbers. Edit them to match your statements. Leave a balance blank to skip that line.

General information, not financial advice. NORDIAL shows estimates of interest on today's balances; it doesn't move money or connect to any bank. Check your lender's terms before acting.

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