The Zero Debt Calculator

Systems rely on invisibility. Awakening begins with visibility.

Fire My Mortgage - Calculator

πŸ”₯ Fire My Mortgage

Zero Debt Strategy Calculator

Personal Information

Let's start with basic information

We are using your age only for long range projections and planning

We are not pulling your credit and your information is not shared with anyone outside of Fire My Mortgage or Mortgage Coaches

Let's talk about Your Home

This helps us understand what you're working with

WHEN YOU BOUGHT YOUR HOME

(Month / Year is fine)

We'll always base the plan on your current mortgage β€” not past versions.

(An estimate is okay)

(The amount you borrowed when you bought the home)

(Most are 30 years)

WHERE THE LOAN STANDS TODAY

(Current balance)

(You can find this on your statement)

(Just the P&I - not including taxes or insurance)

HOME VALUE & COSTS

(Estimate is fine)

Your Monthly Household Income

(this helps us see what fuel is available for your Payoff Power)

what is the actual take home pay that goes into your bank account
Optional - Not sure? Click here for help averaging.

Quick check β€” does this look right?

Primary monthly income: $0
Additional income (avg): $0
Total monthly income: $0

(This doesn't need to be perfect - just close enough to model your options.)

Secured & Structured Debt

Vehicle loans

Personal Loans

We don't need details - just the numbers that affect your monthly cash flow.

Credit Cards & Revolving Balances

This is just an inventory - not a judgement

Monthly Expenses

Everyday living expenses (separate from your mortgage and loans)

Estimates are fine. We're looking for a realistic monthly picture not a perfect one.

(Electric, gas, water & trash)

(Internet, mobile, streaming packages, cable)

(Fuel, maintenance, transit not payments)

(Auto, life, umbrella, other)

(Medical, prescriptions, gym, therapy)

(Hobbies, activities, fun stuff)

(Kid's expenses, school, child support, etc)

(Haircuts, clothing, personal items)

(only include your regular giving)

If you're not sure on a category guess low or leave it blank - we can adjust later.

Household Summary

This is the picture we'll use to model your plan.

Income: $0
Living expenses: -$0
Debt payments: -$0
⭐ Available monthly cash flow
$0

This is the margin we can use to speed things up

If it feels close to real life - we're ready to go.

We're going to model your plan using smart, conservative defaults.

(You can always tune assumptions later with a coach, if you choose.)

Building your Zero Debt plan...
(Let's take a look at what this unlocks)

Strategy Settings

Customize your approach

YOUR ZERO DEBT SNAPSHOT

(This is the clarity of the right sequence)

INTEREST SAVED
$0
Based on your numbers, this is money you no longer send to the bank.
Debt-free by
-
-
-
-
Potential upside
$0
if invested at 7% assumed rate of return
BEST OF ALL - This plan doesn't require more income β€” just a better sequence.

πŸ“Š Cashflow Snapshot - Your Real Life Revealed

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πŸ“… Your Payoff Schedule πŸ”’

Available in Course
πŸ”’

Detailed Payoff Timeline Locked

Your month-by-month action plan showing exactly when each debt gets eliminated is revealed step-by-step inside The Exodus Strategy course.

πŸ“ˆ How common payoff strategies compare

β–Ό

πŸ’° What your payment can become

β–Ό

βœ… Your Next Big Moves

β–Ό

πŸ”§ Want to Model Different Scenarios?

β–Ό

Course members and coaching clients get access to advanced planning tools including:

βœ“ Interest rate scenario modeling
βœ“ Income change projections
βœ“ Annual bonus integration
βœ“ Side-by-side strategy comparisons
βœ“ Custom what-if analysis
Disclaimer: Estimates only. Results may vary. 7% investment return not guaranteed. Consult a financial advisor.

We're not destroying mortgages, we're destroying mental ceilings.

This tool exists to help you explore a clearer path forward.

When you are ready, just enter your details below and

without commitment, let us simply show you

how this approach can work in your situation.

We're all trying to put something back into our lives

Peace. Stability. Time. Room to breathe. The American Dream β€” the version that feels livable again. For most people, it’s not that they’re irresponsible or uninformed. It’s that one constant pressure never seems to let up. Debt.

Monthly payments. Lingering balances. The quiet stress that sits in the background β€” even on good days.

The Zero Debt Strategy exists

To help relieve that pressure. Not with tricks. Not with hype. But with clarity, structure, and a path you can actually walk. This is a continuation β€” not a reset If you’ve arrived here, you’ve likely already been thinking. You may have explored our system or others. You may have questioned advice that never quite delivered. You may be trying to move forward β€” carefully, responsibly β€” without creating new stress. The Zero Debt Strategy is where those threads come together. It’s not a leap. It’s a next step.

What the Zero Debt Strategy is:

The Zero Debt Strategy is a structured approach to reducing debt pressure while restoring margin to your life. It’s designed to: Bring order to competing financial priorities, Sequence decisions so progress compounds, Adapt to real life β€” income changes, families, seasons, Most importantly, it helps you stop reacting β€” and start moving with intention.

What it isn’t

Let’s be clear about what this is not: It’s not a hack or shortcut It’s not about perfection or speed at all costs It’s not a one-size-fits-all formula, And it’s not about comparing your progress to anyone else. This is about alignment, not simply acceleration.

Why debt matters so much

Debt isn’t just financial. It affects: how safe we feel. how flexible we are what choices we think we’re allowed to make When debt pressure eases, something else returns. Options. Presence. The ability to plan again. The Zero Debt Strategy focuses on that return β€” not just the math.

How this fits into your journey

Some people come here through education. Some through tools. Some through a coach. Some because they finally said, β€œI can’t keep doing this the same way.” However you arrived, you don’t need to catch up or start over. You’re already in the conversation. The Zero Debt Strategy simply gives that conversation a direction.

What happens when you step through this door

People often tell us the biggest change isn’t just the numbers. It’s that: decisions stop feeling scattered tradeoffs become clearer progress feels possible without panic You don’t suddenly do everything. You finally know what matters now β€” and what can wait.

Ready when you are

This isn’t a finish line. It’s the doorway where understanding turns into movement. When you’re ready to bring everything together, the Zero Debt Strategy offers a clear place to begin β€”calmly, intentionally, and at a pace that fits your life.

Explore the Zero Debt Strategy See how it works with your numbers.

Welcome to the resistance.

The Fire My Mortgage Team.

A Final Word

We believe people need relief, direction, and hope that progress is still possible. This is our effort to help by removing one of life’s most persistent burdens β€” so you can reclaim what debt has been quietly taking. Peace. Stability. And the freedom to live again.

Wake up, Break up with Debt, and Live.

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

β€” clearly and calmly.

Start Where You Are

There's no single right way.

  • Some people want numbers.

  • Some want explanations.

  • Some want examples.

  • Some want guidance.

  • Some want to talk with a human.


Choose what fits you.

Ready for Guidance?

When you're ready, we're here.

We are not a professional sales team trying to sell you. We're here to help:

  • 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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