⚙️ Standard Loan Settings
💵 Regular Income Sources
🛒 Regular Monthly Budget
Click any category name to rename it.
📅 Custom Ledger (Irregular / Yearly)
Use this ledger for irregular, quarterly, or annual events. Important: Enter a positive amount (e.g., 800) for incoming money, and a negative amount (e.g., -3000) for expenses.
🏦 Traditional Mortgage Baseline Settings
Define the standard mortgage you want to compare against your AIO strategy.
📊 Simulation Overview
Traditional Mortgage
Actual Time to Payoff
Total Interest Paid
All-In-One (AIO)
Time to Payoff
Total Interest Paid
Understanding Your Balance Trajectory: This graph compares the speed at which you pay down your loan principal. A steeper drop in the balance line indicates faster debt elimination.
Understanding Cumulative Interest: This tracks the total, running sum of money paid directly to the bank over the life of the loan. A flatter, lower curve means more of your money is staying in your pocket and going toward your principal. The gap between the red and green lines represents the mathematical difference in total interest.