Reason for discrepancies: RBC vs TD (interest rate, rate, banks, Canada)

[RightAtHome]

Mortgage Amount:
$100,000.00

Interest Rate Type:
Fixed

Payment Amount:
$639.81

Amortization Period:
25 years 0 months

Payment Frequency:
Monthly

Interest Term:
5 years 0 months

Interest Rate:
6.000%

Payment
FrequencyPayment AmountAmortizationTerm
Interest
CostAmortization
Interest
CostAmortization Interest Savings
vs.
Monthly PaymentMonthly $639.81 25.0 yrs $28,225.07 $91,940.69 $0.00 Semi-monthly $319.91 25.0 yrs $28,170.03 $91,396.79 $543.89 Bi-weekly $295.30 24.8 yrs $28,053.45 $90,520.28 $1,420.40 Weekly $147.65 24.8 yrs $28,028.17 $90,275.80 $1,664.89 Accelerated
Bi-weekly $319.91 21.0 yrs $27,536.55 $74,334.75 $17,605.94 Accelerated
Weekly $159.96 20.9 yrs $27,508.96 $74,134.62 $17,806.06

Most of these calculations are not matching if you will calculate it via HP10B-II. Please explain reason of discrepancy. Figures should match to last fractional digits as all Banks used fast track system.

While TD Calculates:





For a 25 year mortgage for $100,000.00 at the rate of 6.00%, your Monthly payment is $639.81 Mortgage Amortization

http://www.tdcanadatrust.com/docs/mortCalc/MortgageCalculatorGraph.jsp?locale=en_CA&height=20 2&width=347&startAmt=100000.0&rate=0.06&startDate= 1309492800000&freq=12&paymt=639.81&amort=300&cmpds =2&iop=false (broken link)
[RIGHT]Amortization Schedule (http://www.tdcanadatrust.com/docs/mortCalc/MortgageCalculator.jsp# - broken link)[/RIGHT]
Total Principal and Interest Payment for Term:$38,388.60 Total Principal Repayment for Term:$10,158.39 Total Interest Cost for Term:$28,230.21 Balance at End of Term:$89,841.61

[RightAtHome]

According to TD , For a 25 year mortgage for $100,000.00 at the rate of 6.00%, your Bi-Weekly payment is $294.05, while in the above post, RBC calculates it as " $295.30", a manual calculation by formula shows it as $294.9035986, which might be same as via HP10B-II. Please explain the discrepancies for bi-weekly payments, term interest costs etc.

Mortgage Amortization

http://www.tdcanadatrust.com/docs/mortCalc/MortgageCalculatorGraph.jsp?locale=en_CA&height=20 2&width=347&startAmt=100000.0&rate=0.06&startDate= 1309492800000&freq=26&paymt=294.05&amort=652&cmpds =2&iop=false (broken link)
[RIGHT]Amortization Schedule (http://www.tdcanadatrust.com/docs/mortCalc/MortgageCalculator.jsp# - broken link)[/RIGHT]
Total Principal and Interest Payment for Term:$38,226.50 Total Principal Repayment for Term:$10,160.07 Total Interest Cost for Term:$28,066.43 Balance at End of Term:$89,839.93

For a 25 year mortgage for $100,000.00 at the rate of 6.00%, your Bi-Weekly payment is $319.90 Mortgage Amortization

http://www.tdcanadatrust.com/docs/mortCalc/MortgageCalculatorGraph.jsp?locale=en_CA&height=20 2&width=347&startAmt=100000.0&rate=0.06&startDate= 1309492800000&freq=26&paymt=319.9&amort=652&cmpds= 2&iop=false (broken link)
[RIGHT]Amortization Schedule (http://www.tdcanadatrust.com/docs/mortCalc/MortgageCalculator.jsp# - broken link)[/RIGHT]
Total Principal and Interest Payment for Term:$41,587.00 Total Principal Repayment for Term:$14,063.22 Total Interest Cost for Term:$27,523.78 Balance at End of Term:$85,936.78

[RightAtHome]

Can anyone explain about these discrepancies?