Mortgage Settings
Additional Costs
Total Monthly Payment
$0
Principal & Interest
$0
Property Taxes
$0
Home Insurance
$0
Amortization Analytics
Authority Theory →Lender Stress Testing
Financial institutions apply a "Stress Rate" (typically Interest + 2%) to verify debt-service ratios. Use this tool to ensure your client's GDS/TDS ratios remain compliant under shifting monetary policies.
Equity Curve Analysis
Karuvigal's high-precision engine calculates the exact point of parity where principal equity exceeds interest liability—critical for portfolio refinancing and capital gains strategy.
| Year | Interest Paid | Principal Paid | Remaining Balance |
|---|---|---|---|
| Year 1 | $15,521 | $2,683 | $237,317 |
| Year 5 | $14,727 | $3,477 | $224,666 |
| Year 10 | $13,396 | $4,808 | $203,463 |
| Year 20 | $9,011 | $9,193 | $133,597 |
| Year 30 | $625 | $17,579 | $0 |