Member Tool Belt — Mortgage Reality Interpreter (MRI)

Foundation

👤 Client Profile

Load a client from GHL or enter manually. All tools in this session read from this profile.

🗒️ Scratchpad Mode: Changes here stay local until you intentionally push to GHL. Work freely — nothing is overwritten until you say so.

Client

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Mortgage Bal

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Market Value

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Est. Equity

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Monthly Income

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Monthly Surplus

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🔗 Load from Go High Level

Client Code (customer_identifier)

Client Email (verification)

👤 Client Identity

First Name

Last Name

Phone

Date of Birth

Customer Code

👥 Co-Borrower / Spouse

Has Co-Borrower?

Spouse / Partner Name

Spouse / Partner Email

🏠 Property Details

Street Address

City

State

Zip Code

Property Type

Market Value

Purchase Price

Purchase Date

🏦 Mortgage Details

Lender Name

Original Loan Amount

Current Balance

Interest Rate (%)

Original Term (years)

Remaining Term (months)

Calculated from loan start date + term

🧾 Taxes, Insurance & Escrow

Has Escrow?

Annual Property Taxes

Annual Home Insurance

Has PMI?

💳 Payment

Total Monthly Payment (what leaves your account)

Include taxes & insurance if escrowed

P&I Only

Mortgage Due Day

Default is the 15th — update if different

Has Refinanced?

💰 Income

💡 Enter take-home pay — what actually hits the bank account each payday, after taxes and deductions. If health insurance is deducted from the paycheck, that amount is already included.

Take-Home Per Paycheck

Pay Frequency

Additional / Variable Income

Next Pay Day

Total Monthly Take-Home

📋 Monthly Expenses

💡 Placeholder amounts are estimated from income benchmarks. They update as income is entered — adjust to reflect actual spending.

🏠 Housing — Auto-Calculated from Mortgage

P&I

Property Taxes/mo

Insurance/mo

PMI/mo

Total Housing

Utilities

Gas, electricity, water, sewer & trash

Internet & Phone

Internet service, cell phone plans

Groceries & Dining

Groceries, restaurants, coffee, takeout

Transportation

Fuel, parking, oil changes, car wash, repairs

Insurance

Auto, life, disability, health premiums

Health & Wellness

Copays, prescriptions, gym, supplements

Recreation & Entertainment

Subscriptions, hobbies, vacations, movies, sports

Family & Children

Childcare, tuition, clothing, school supplies

Personal Care

Hair, nails, hygiene, personal grooming

Giving & Charity

Church, tithing, donations, charitable giving

Other Debt Payments

Student loans, personal loans, credit card minimums

Total Monthly Expenses

Total Debt Payment

💳 Debt Inventory

Vehicle Count

Personal Loan Count

Credit Card Count

Has Student Loans?

Debts Detail (JSON from ZDC)

📈 Calculated Summary

Est. Equity (Market - Balance)

Monthly Surplus / Payoff Power (Take Home - All Expenses)

Standard Payoff Date

Current Plan Age

Debt Free Age

Years Saved

Total Interest Saved

Monthly Surplus After Payoff

Strategy

🧮 Member Calculator

Mortgage Reality Interpreter (MRI). Client data from the profile is automatically loaded. Run the calculation to update the profile with results.

🔗 Connected: Client profile data will pre-fill the calculator. When results are generated, they sync back to the profile automatically.

Financial Tools

📊 Household Health Check

Full cashflow and spending breakdown across all budget categories.

🔗 Connected: Income and expenses pre-load automatically from the client profile. You can also run the Member Calculator and use "Import from ZDS" inside this tool to pull in its results.

Financial Tools

📇 Debt Organizer

Inventory every debt in one place before mapping the payoff strategy.

The full monthly financial picture — income timing, HELOC draws, CC flow, and chunk payments mapped day by day.

🗺️

Cash Flow Planner — Coming Soon

This tool is being rebuilt in the new style (previously Cash Flow Mapper). It'll reconnect here once ready.

IN PROGRESS