If you have a Client ID, we can auto-fill your information. Otherwise, you'll enter it manually below.
We are using your age only for long range projections and planning
We are using your age only for long range projections and planning
We'll send the report to both of you if provided
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
YOUR CURRENT HOME FINANCING
This changes which questions we ask next — pick whichever is closest to true today.
WHEN YOU BOUGHT YOUR HOME
(Month / Year is fine)
We'll always base the plan on your current mortgage — not past versions.
(An estimate is okay)
(The amount you borrowed when you bought the home)
(Most are 30 years)
📅 Current Mortgage Details (After Refinance)
We need to know when your CURRENT mortgage began (the refinance date), not the original purchase.
⬆️ This is the REFINANCE date - when your new loan started
(Starting balance of your current loan)
(Helps us understand your equity story)
WHERE THE LOAN STANDS TODAY
(Current balance — check your last statement. First mortgage only.)
(Current balance owed, separate from your first mortgage above)
(Minimum monthly payment on that balance)
(You can find this on your mortgage statement)
YOUR HELOC DETAILS
Since your HELOC IS your mortgage, its payment usually isn't a flat amount like a traditional loan — it's often a percentage of the balance or interest-only. Tell us how yours works.
(Check your latest statement)
(The maximum you can draw)
(HELOC rates are usually variable)
(A common default is 1%)
YOUR LOAN DETAILS
YOUR HELOCs / LINES OF CREDIT
Add each credit line that's part of your home's financing. If you also have unrelated debts (credit cards, auto loans, etc.), those belong on the Debts page later — this is just for what's secured against the home.
No mortgage debt to enter — nice position to be in. We'll still ask for your home's value below, since that matters if opening a new HELOC is part of your strategy.
HOME VALUE & COSTS
(Estimate is fine — think Zillow/Redfin value)
(Most mortgages include escrow — check your statement if unsure)
The amount that leaves your account each month (including escrow)
✓ Does this look right?
Estimated loan-only payment (P&I):$—
Estimated total monthly housing cost:$—
If either number looks off, adjust your payment, taxes, or insurance above.
Your Monthly Household Income
(this helps us see what fuel is available for your Payoff Power)
Primary Income
What actually hits your bank account each payday (after taxes & deductions)
Optional — bonuses, commissions, side work. Not sure? Click for help.
Add your last 6–12 months of variable income and divide by the number of months to get a monthly average.
CO-BORROWER INCOME
What actually hits their bank account each payday
Optional — click for help averaging.
Add the last 6–12 months of variable income and divide by the number of months.
💡 Pay Timing (for cashflow mapping)
This helps us time your debt payoffs with your paychecks — the secret to the strategy.
We'll use this to map your cashflow timing
ℹ️ This timing data unlocks the Cash Flow Mapper tool in your course
Quick check — 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.)
Your Debts
Add every debt outside your mortgage — credit cards, personal loans, lines of credit, vehicle loans, student loans, anything else. Add as many as you need, in any combination.
Monthly Expenses
Everyday living expenses (separate from your mortgage and loans)
Smart estimates loaded based on your income. Adjust any amounts that feel off.
🏠 Must-Pay Basics
Required obligations that keep your household financially secure.
Already captured from your mortgage details — no need to re-enter
(HOA, maintenance, repairs, lawn care)
(Auto, life, umbrella, disability — not homeowners, that's already included above)
Already captured from your loans & cards — no need to re-enter
⚡ Life Support
Essential costs that keep daily life running.
(Groceries, dining out, coffee, take-out)
(Fuel, maintenance, tires, registration, parking)
(Electric, gas, water, sewer, trash)
(Internet, mobile, streaming, cable)
(Doctor, dentist, prescriptions, vision, gym)
✨ Choices & Lifestyle
Spending that reflects your personal priorities and quality of life.
(Movies, hobbies, concerts, fun money)
(Clothing, haircuts, toiletries, cosmetics)
(Education, child activities, pet care, gifts)
(Church, charities, missions, donations)
📦 Planning & Preparedness
Money set aside for future goals and expected irregular expenses.
(Airfare, hotels, cruises, vacation savings)
(Emergency fund, big purchases, investing)
💡 Leave blank or enter zero for categories that don't apply to you.
Let's gather together all of your information
So we can see clearly where you are.
These numbers were calculated from what you entered — not pre-filled. If anything looks off, go back and adjust.
💰 What comes in
Monthly take-home income$0
🏠 What goes out
Living expenses-$0
Mortgage payment (PITI)-$0
Other debt payments-$0
⭐ What's left each month
$0
This is your Payoff Power — the fuel that drives your timeline
📊 Home Equity Snapshot
Current Home Value:$0
Mortgage Balance:$0
Available Equity:$0
Equity Percentage:0%
💳 Estimated Borrowing Capacity
Maximum LTV Modeled:80%
Estimated Borrowing Limit:$0
Current Mortgage Balance:-$0
Estimated Available HELOC:$0
Actual lending limits vary by lender, credit profile, and underwriting guidelines. This estimate is for planning purposes only — you'll be able to model different lending percentages in the next step.
Building your personalized plan.
One moment while we put this together.
Building your Zero Debt plan... (Let's take a look at what this unlocks)
🏠 Equity Assessment & Funding Strategy
Let's determine the best funding approach for your situation
📋 Strategy Summary
🎯 Confirm Your Payoff Order
This is the order chunks will attack your debts — biggest payment freed first, by default. You know things the algorithm can't see (a promo rate expiring soon, a debt you want gone first) — use the arrows to reorder if you'd rather run it differently.
Current Home Value:$0
Mortgage Balance:$0
Available Equity:$0
Equity Percentage:0%
💳 Estimated Borrowing Capacity
Maximum LTV Modeled:80%
Estimated Borrowing Limit:$0
Current Mortgage Balance:-$0
Estimated Available HELOC:$0
Actual lending limits vary by lender, credit profile, and underwriting guidelines. This estimate is for planning purposes only.
$0
🅿️ Paycheck Park an Existing HELOC
Depositing a paycheck into a HELOC and drawing it back out for bills satisfies that period's payment requirement without a separate out-of-pocket payment. Parking one of your HELOCs holds its balance flat for a set window and frees its normal payment amount to attack another debt faster. Not a permanent fix — a stepping stone. Set a start and stop, or the parked HELOC will never get its own attention again.
💰 Select Your Funding Strategy
Choose how you'll fund your debt elimination chunks. Each option has different advantages based on your situation.
Use your savings - zero interest cost but requires significant liquid reserves plus emergency buffer.
Must exceed first chunk + 3-6 month emergency fund
⚠️ Insufficient Cash: You need at least $0 (chunk + 6-month emergency buffer of $0)
✓ Sufficient Cash: You have enough to proceed safely with cash funding.
✓ RECOMMENDED
Most flexible option - borrow only what you need, when you need it. Interest calculated daily.
Prime tier currently 6.75% — see tier guidance below
Actual limits vary by lender and credit profile
This is for a HELOC separate from your primary home financing — if the HELOC(s) shown under "Your Current Home Financing" are what you'd use for this, you don't need to check this.
Amount you currently owe
Maximum amount approved
BEST RATE
Often the best financial option (low/no interest) but consider relationship dynamics carefully.
How much can they lend?
Often 0%, sometimes low rate
💡 Pro Tip: Create a simple written agreement even for family loans. It protects everyone and keeps relationships healthy.
Borrow against whole life or universal life cash value. Competitive rates, but reduces death benefit until repaid.
Check your policy statement
Typically 4-8% fixed
For impact calculation (optional)
Note: Policy loans aren't taxable and don't require credit checks. Death benefit is reduced by outstanding loan + interest if not repaid.
ADVANCED
Only viable with 0% promotional APR - must cycle chunks BEFORE promo expires. Requires discipline.
Typically 12-18 months
Must exceed chunk size
We'll warn if chunks won't cycle before promo ends
⚠️ HIGH RISK:
ADVANCED
Refinance your entire mortgage INTO a HELOC. All debts consolidated immediately - start paycheck parking on day one. Simpler but requires discipline.
✓ Advantages:
Consolidate ALL debts immediately
Start paycheck parking day one
Simpler execution (one loan)
Often fastest payoff IF disciplined
⚠️ Risks:
Higher interest rate (usually 7% vs 6.5%)
Variable rate risk
Too easy to tap line for expenses
Requires strong emergency fund FIRST
📋 Your HELOC Conversion Status:
Current average ~7%
Typically $200-500
Includes car loans, credit cards, personal loans - everything gets paid off immediately
✓ Great! Since you've already converted, we'll track your remaining payoff from your current position.
Month/year you refinanced into the HELOC (for tracking purposes)
Original amount when you converted (mortgage + closing costs)
Have you tapped the HELOC for anything since converting? (Roof, car, emergency, etc.) Enter the total additional amount.
Example: You converted with $250k balance. Then borrowed $15k for a new roof and $5k for car repairs. Enter $20,000 here.
What you owe right now (check your statement)
Your current rate
📊 Your Progress Since Conversion:
Starting balance:$0
Additional borrowed:+$0
Current balance:$0
Principal paid down:$0
💡 Note: Since you already converted, we won't ask for traditional mortgage details. We'll calculate your remaining timeline based on your current HELOC balance.
⚙️ Advanced Strategy Settings
Determines how aggressively funding cycles are modeled
Minimum cushion kept in the funding source (20% recommended)
When does your income hit your account? We'll optimize interest savings around these dates.
🛡️ Emergency Strategy
How much financial margin do you already have if life doesn't go according to plan?
Cash you could access immediately
Based on your selected months
Liquid savings provide immediate protection during unexpected events. Retirement and investment accounts strengthen your long-term financial position, but they're generally not intended to replace an emergency reserve.
Percentage of surplus diverted to savings until fund target reached, then 100% to debt
💰 Planned Lump Sum Income
Do you receive predictable annual income beyond your regular paycheck — a bonus, tax refund, RSUs, profit distribution, commission, inheritance, or proceeds from selling an asset? These can dramatically accelerate your timeline.
💡 Pro Tip: Directing your entire bonus to debt payoff can save months or even years on your timeline!
⚠️ What-If Scenarios: Unexpected Expenses
Model what happens if you need to tap your funding source for unexpected costs during payoff. See the TRUE cost of "small" decisions.
Example: "New roof in month 24: $15,000" - Calculator will show this delays payoff by 8 months and costs $4,250 in extra interest. That $15k roof actually costs you $19,250!
Your Plan — Built From Your Numbers
This is an estimate of the best approach — not a guarantee.
📅 Your Debt-Free Timeline
—
—
Based on your current income, expenses, and assumptions.
🎯 Your Debt-Free Moment
—
—
—
💵 Interest Saved
$0
This is money you no longer owe the bank.
📈 Potential Upside if Invested
$0
Estimated 7% annualized rate of return
📖 How to Read Your Plan
This isn't about doing everything perfectly. It's about following the sequence.
✦ Your confidence in your momentum
✦ Your flexible accelerated plan
✦ Consistency matters more than size
Small, steady execution wins.
✅This plan doesn't require more income — it changes the order your debt gets paid down.
📊 Cashflow Snapshot — Your Fuel Gauge
▼
📅 Your Complete Payoff Schedule
▼
This is your roadmap — you don't need to memorize it. Just follow the next step.
📈 Why Your Plan Works Better Than Standard Approaches
▼
💰 What Your Payment Can Become
▼
🧭 Your Next Step
▼
🔧 What-If Scenarios
▼
Adjust any of the inputs below and run a new scenario to see how changes in your financial picture affect the timeline.
📈 Income Scenarios
Applies a compounding % raise each year to your surplus
Applied directly to debt in month 1 of the strategy
Permanent monthly income increase or decrease
When the income change kicks in
📊 Scenario vs. Your Base Plan
Base payoff
—
Scenario payoff
—
Time difference
—
Base interest saved
—
Scenario interest saved
—
Scenarios use the same strategy logic as your base plan. Results are illustrative.
Disclaimer: Estimates only. Results may vary. 7% investment return not guaranteed. Consult a financial advisor.