Mortgage and debt calculators for financial advisors
Answer clients' mortgage and debt questions alongside the rest of the plan.
Clients bring their mortgage and debt questions to the advisor they trust. Should extra cash go to the mortgage or the portfolio? When does a reverse mortgage fit a retirement plan? These calculators cover the liability side of the balance sheet, so the plan includes what clients owe as well as what they own.
Where these calculators help
Debt decisions sit outside most planning software
Prepaying a mortgage, consolidating balances or tapping home equity changes the plan, but rarely shows up in the tools advisors use every day.
Retirement income depends on the house
Home equity, a remaining mortgage and Social Security timing all shape retirement income. Seeing them together leads to better recommendations.
Clients decide with numbers in front of them
A side-by-side comparison shows why one choice beats another, in terms a client can follow.
Debt vs. investing
Retirement and home equity
Building wealth
Frequently asked questions
Should a client pay off the mortgage or invest?
The Pay Off Mortgage or Invest Calculator weighs guaranteed interest savings against expected investment returns, so the client can see the tradeoff.
Can it help with Social Security timing?
Yes. The Social Security Calculator compares claiming ages on lifetime benefit, not just the monthly check.
Is it free?
Yes. Calculators marked 'Open calculator' run right in your browser with no account.
Calculators marked 'Open calculator' run right in your browser with no account. 'Learn more' covers the ones that are part of the full LendsightAI app.
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