Home & Mortgage
Purchase Price ($)
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The total purchase price of the home. Affects downpayment and property tax calculations.
Mortgage Rate (Decimal)
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The annual interest rate for the 30-year fixed mortgage (e.g., 0.06 is 6%).
Mortgage Downpayment ($)
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The initial upfront cash paid for the house. Automatically calculates and populates the Downpayment Perc variable.
Mortgage Downpayment Perc (Decimal)
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The percentage of the purchase price paid upfront. Automatically calculates and populates the Downpayment ($) variable.
Prop Taxes Perc (Decimal)
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The total property tax percent. Automatically populates the Prop Taxes ($) variable based on the purchase price.
Prop Taxes ($)
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The yearly property tax in dollars. Automatically computed: Purchase Price × Prop Taxes Perc.
Prop Tax Increase Perc (Decimal)
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The annual percentage increase in property taxes (e.g., 0.02 is 2% per year).
Monthly Insurance ($)
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Total monthly insurance costs for the home (homeowner's insurance, PMI if applicable, umbrella, etc.).
Income & Spending
Gross W2 ($)
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Your annual gross (pre-tax) W2 income. When filing jointly, this is the combined household total. Federal income tax is computed automatically using 2025 brackets + standard deduction.
Married Filing Jointly
State Income Tax Rate (Decimal)
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Flat state income tax rate applied to gross W2 income (e.g., 0.05 is 5%). Set to 0 for states with no income tax.
Post Tax W2 ($)
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Your annual take-home pay after federal and state income tax. Automatically computed from Gross W2.
Halve W2 Income
Years Before Halving Income
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The number of years before the Gross W2 income drops by exactly 50% (simulating part-time work or career downshifting). Taxes are recomputed on the halved gross amount.
Annual Spending ($)
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Total baseline amount of money spent per year (excluding the mortgage and property taxes).
Spending Increase Perc (Decimal)
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The percentage that spending increases year over year (simulating lifestyle creep or inflation).
Max Spending Growth Value ($)
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The hard cap limit. Spending will stop compounding once it reaches this maximum annual amount.
Years of Increasing Spending
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The maximum number of years to apply the Spending Increase Perc before spending flattens out.
Investments & Rentals
Total Investments Starting With ($)
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Total liquid net worth before buying the house. The mortgage downpayment is subtracted from this to find your starting stocks.
Stocks Starting Value ($)
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The remainder of your savings put into a brokerage account. Automatically computed: Total Investments - Downpayment.
Stock Growth Rate (Decimal)
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The annual percentage your brokerage account investments grow by (e.g., 0.07 is 7%). Compounded monthly.
Include Rental Property
Monthly Rental Income ($)
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Monthly passive income from other rental properties to supplement your W2 income.
Rental Income Growth Perc (Decimal)
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The amount to raise rent year over year (e.g., 0.02 is 2% annual rent appreciation).
Rental Mortgage Rate (Decimal)
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The annual interest rate on the rental property mortgage (e.g., 0.065 is 6.5%).
Rental Mortgage Balance ($)
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The remaining principal balance on the rental property mortgage.
Rental Mortgage Years Remaining
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The number of years left on the rental property mortgage. The rental mortgage payment is included as an expense until this period ends.
Monthly Rental Mortgage Cost ($)
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The computed monthly mortgage payment for the rental property. Automatically calculated from rate, balance, and years remaining.
Rental Prop Taxes ($/yr)
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The yearly property tax on the rental property.
Rental Prop Tax Increase Perc (Decimal)
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The annual percentage increase in rental property taxes (e.g., 0.02 is 2% per year).
Monthly Rental Insurance ($)
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Total monthly insurance costs for the rental property (landlord insurance, liability, etc.).
Feature requests, bugs, or questions? Email
martin.almaraz@gmail.com