Stress Test Your Mortgage

Stress test your mortgage against income shocks, rate hikes, and emergencies. Get a runway, breakpoints, and a simple risk score.

Baseline

Your current mortgage + household budget.

Today

Loan amount

Interest rate (%)

Term (years)

Taxes (monthly)

Insurance (monthly)

HOA (monthly)

Liquid savings

Net income (monthly)

Other expenses (monthly)

Scoring mode

Monthly housing

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Monthly margin

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Stress Scenario

Model the shocks you’re worried about.

Scenario

Income drop (%)

Rate hike (+%)

Months unemployed (scenario length)

Expense spike (monthly)

Emergency cost (one-time)

Stress margin

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Runway

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Savings after emergency

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Housing / income (stress)

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Rate breakpoint

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Income breakpoint

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Risk Score

A simple “can I survive a shock?” answer.

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Enter your numbers to begin.

What this means

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Tip: If your runway is short, prioritize cash buffer before investing extra in the home.
Tip: Use rate breakpoint to judge refinance urgency if rates rise.
Tip: If housing pressure is high, reduce fixed costs before taking on new debt.