Built with standard amortization math
Find your mortgage breaking point before the bank does
You saw a property today. Before you make an offer, see the exact interest rate or income drop where your breathing room vanishes.
You break at
20.5% rate
or
53% income drop
Breathing Room $1,388
Monthly Payment: $2,212 Current Disposable: $1,388
No black boxes, just math
Transparency builds trust. Here is the exact formula behind your breaking point.
1. Monthly Payment
Calculated using standard amortization: M = P × [r(1+r)^n] / [(1+r)^n - 1], where P is principal, r is monthly rate, n is total payments.
M = P × [r(1+r)ⁿ] / [(1+r)ⁿ - 1]
2. Disposable Income
Calculated as Net Income minus Monthly Expenses minus Mortgage Payment. This is your breathing room.
D = I - E - M
3. Breaking Point
Found by running a binary search on the interest rate (or income) until your disposable income equals exactly zero.
Binary Search: D → 0
Share your squeeze
Generate a privacy-safe squeeze card that shows only the percentage, not your personal finances.
📉 Mortgage Squeeze
You break at
20.5% rate