The Hidden Math of Mortgage Freedom
Stop donating your hard-earned wealth to the bank. Master the principal-only shortcut.
The 'Amortization' Trap
In a standard 20-year loan, your bank charges interest on the total balance every single month. During the first 60 months, you aren't really buying a house—you're just renting the money. By making prepayments, you effectively "kill" future interest before it has a chance to exist.
Total Interest Paid Over 20 Years
STANDARD
PAYMENTS
1 EXTRA
EMI/YEAR
Scenario: $500,000 Loan @ 8.5% Interest
The 13th EMI
Divide one EMI by 12 and add it monthly. Shaves 4 years off. Use EMI Tool
10% Step-Up
Increase EMI by 10% annually with your raise. See the Comparison Math.
Bonus Kill
Put 50% of bonuses into principal via our Lumpsum Tool.
Turn Saved Interest into Wealth
That saved $145,000 can become $1M+ in a retirement fund. Plan your exit with the Retirement Planner.