Decision Tools
All understanding comes through the open mind.
Closed minds cannot awaken.
HELOC Eligibility and Limits
See whether a HELOC is available to you — and how much access you realistically have.
Estimates potential HELOC availability based on value, balance, and lender limits
Shows usable equity, not just theoretical equity
Helps you understand the guardrails lenders use before you ever apply
True Cost of the Mortgage
See how much your mortgage actually costs you over time.
Reveals total interest paid over the life of the loan
Shows how much of each payment goes to interest vs. principal
Highlights how much money stays in the system if nothing changes
Retirement Gap
Find out whether your current trajectory keeps up with real life.
Compares your current savings path against inflation-adjusted needs
Highlights shortfalls early — while you still have options
Helps frame the tradeoff between debt, investing, and time
Strategy Comparison
Compare common debt payoff approaches side-by-side.
Puts traditional payoff methods next to the Fire My Mortgage strategy
Shows differences in payoff time, total interest, and cashflow momentum
Makes tradeoffs visible instead of theoretical
Mortgage Payoff Opportunity Cost
See the hidden cost of doing nothing — or waiting.
Measures how much extra time and interest delay adds to your mortgage
Shows what staying in the status quo really costs you
Frames delay as a decision, not a neutral choice
Payoff vs. Invest
Compare certainty today against potential growth tomorrow.
Compares the impact of paying down debt versus investing excess cash
Shows tradeoffs between guaranteed savings and projected returns
Helps frame the decision without hype or fear
Payment Tracker
See where your money is really going each month.
Breaks down how payments are applied over time
Shows progress, consistency, and remaining exposure
Makes cashflow behavior visible, not assumed
Payoff Tradeoff
Weigh freedom from debt against access to cash.
Compares aggressive payoff against liquidity and flexibility
Highlights how different choices affect risk and optionality
Helps prevent over-optimizing one goal at the expense of another
Readiness Check
Decide if you’re ready to move forward — or need to stabilize first.
Evaluates cash buffer, income stability, and decision clarity
Helps identify whether acceleration is wise right now
Reduces false confidence and unnecessary risk
Savings Growth Projection
See how steady contributions compound into real stability.
Models how regular savings grow over time
Shows the impact of consistency more than intensity
Reinforces progress even when growth feels slow
Emergency Fund Evaluation
Design a safety net that actually fits your life.
Helps define an appropriate emergency fund target
Compares different paths to reaching that goal
Shows the tradeoff between speed, comfort, and flexibility
Disclaimer
A quick note before you move on
These tools are educational by design.
They do not replace personalized advice.
They do not make decisions for you.
They do not assume one strategy fits everyone.
Their purpose is simple:
To help you understand what’s possible
clearly and calmly.
Ready for Guidance?
And when you're ready, we're here.
A clarity session is not a sales call. It's a conversation designed to:
Review your numbers
Clarify your options
Answer your questions honestly
Only book if it feels right.
Fire My Mortgage helps families create clarity and control using math-based strategies and guided support.
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