01Household Income
Annual — use base salary, not expected
Two-earner household
Earner 1
$
$
$
Earner 2
$
$
$
Variable Income Treatment
50%
0% — Exclude100% — Full
Conservative
Good year doesn't guarantee next year. We plan off a floored estimate so the mortgage payment isn't dependent on a full bonus hitting.
$
Subject to the same variable income % above. No FICA applied.
Retirement Contributions
▸ expand
02Mortgage & Carrying Costs
%
%
$
$
After-Tax Income
Gross Annual
—
—
Est. Total Tax
—
—
Monthly Net Take-Home
—
03Affordability Framework
30% housing budget cap applied to net take-home
Max Monthly All-In Housing
—
P&I + taxes + insurance + maintenance
Implied Max Purchase Price
—
—
04Scenario Tester
Enter any price to stress-test it
$
%
%
Carrying Costs auto-set from price · editable
$
$
$
Housing as % of net take-home—
Target: 30%
Planner's Note — Mortgage Simulation Exercise
Try transferring — monthly to a savings account for 3–6 months to test if the payment is truly sustainable — and build liquidity for the transition.
05What Does It Grow To?
Portfolio growth vs. home equity
%
%
| Year 10 | Year 20 | Year 30 |
|---|
Year 20 Snapshot
Monthly contributions compounded annually. Home equity = value minus loan balance. Pre-tax.
