NORDIAL Desk Dial Kit (Canada): your household's net interest per day, on one needle

Your mortgage, line of credit and car loan each cost you something every day, and your savings earn something back. NORDIAL puts the difference on one needle.

Type your balances and rates once and the Desk Dial Kit shows your household's net interest per day: left of zero means you're paying, right means you're earning. On a Bank of Canada decision day (next: Wed Oct 28, then Dec 9), enter the move and see the needle before and after. For the example household in the guide, a +0.25 hike moves it about −C$2.12 a day.

Made an extra payment? The Prepay Log counts the interest you've avoided since that day. The Decision Log keeps your needle's history. And the printable fridge dial (with needle cut-outs) keeps the number where you'll see it.

Includes an editable .xlsx (Excel, Google Sheets, Numbers, LibreOffice), a 2-page printable and a 5-page setup guide. No macros, no bank logins. General information, not financial advice.

What's inside

- Dial tab: a half-circle needle gauge on a centre-zero log scale (−C$200 to +C$200 a day), plus a Needle Strip that works in every spreadsheet app.

- My Lines: up to 10 debts and savings accounts, with "follows the Bank of Canada? Y/N" for each.

- Prepay Log: interest avoided per day and to date for every extra payment.

- Decision Log: Oct 28 and Dec 9, 2026 pre-dated.

- Printable fridge dial: dial face, 6 needle cut-outs, a decision-day card (what +0.25 costs per C$50k to C$500k) and an 8-week log.

FAQ

Does it connect to my bank? No. Nothing is uploaded or linked; your numbers stay in your file.

Is there a free version? Yes: the web dial at hikeday.pages.dev/dial. The kit adds the saved tracker, the logs and the printable.

Is this financial advice? No. It's a general information tool that shows estimates on the numbers you enter. Check your lender's terms before acting.

Refunds? If a file won't open for you, contact the seller through the store and you'll get a fix or a refund.