Model Your Debt-Free Timeline

See how your mortgage and other debts could change over time.

(This tool models possibilities using the numbers you provide.)

Fire My Mortgage - Calculator

Personal Information

Let's start with basic information

Primary First Name *

Primary Last Name *

Date of Birth

We are using your age only for long range projections and planning

Email *

Add co-borrower

We are not pulling your credit and your information is not shared with anyone outside of Fire My Mortgage or Mortgage Coaches

Let's talk about Your Home

This helps us understand what you're working with

WHEN YOU BOUGHT YOUR HOME

1. When did you buy this home?

(Month / Year is fine)

Have you refinanced this mortgage since you bought the home?

Yes

No

We'll always base the plan on your current mortgage — not past versions.

2. What was the purchase price?

(An estimate is okay)

3. What was the original loan amount?

(The amount you borrowed when you bought the home)

4. What was the original term?

(Most are 30 years)

WHERE THE LOAN STANDS TODAY

5. About how much do you still owe on your home?

(Current balance - you can find this on your statement)

6. What is your current interest rate? I'm not sure

(You can find this on your mortgage statement)

No problem — here's how to find it:

Option 1: Check your most recent mortgage statement - it's usually listed as "Interest Rate" or "Note Rate"

Option 2: If you can't find it, enter your total payment above and we'll estimate it based on your balance

YOUR MONTHLY PAYMENT

7. Monthly house payment (what you actually pay each month)

(The amount that leaves your account each month)

8. Does your payment include escrow (property taxes & insurance)?

Yes

No

Most mortgages include escrow - check your statement if unsure

9. About how much per year in property taxes?

10. About how much per year for homeowners insurance?

11. Do you currently pay any PMI every month?

Yes

No

Monthly PMI Amount

HOME VALUE

12. What do you think your home would sell for today?

(Estimate is fine - think Zillow/Redfin value)

Your Monthly Household Income

(this helps us see what fuel is available for your Payoff Power)

Take-home pay (after taxes & deductions)

What actually hits your bank account each paycheck

How often do you get paid?

Additional income (bonuses, commissions, side work - monthly average)

Optional - Not sure? Click here for help averaging.

💡 Pay Timing (for cashflow mapping)

This helps us time your debt payoffs with your paychecks — the secret to the strategy.

When is your next payday?

We'll use this to map your cashflow timing

What day of the month is your mortgage due?

Enter the day (1-31):

ℹ️ This timing data unlocks the Cash Flow Mapper tool in your course

Quick check — does this look right?

Primary monthly income: $0

Additional income (avg): $0

Total monthly income: $0

(This doesn't need to be perfect - just close enough to model your options.)

Secured & Structured Debt

Vehicle loans

How many vehicle loans do you have currently?

Personal Loans

We don't need details - just the numbers that affect your monthly cash flow.

How many personal loans do you have currently?

Do you have any student loans?

Yes

No

Credit Cards & Revolving Balances

This is just an inventory - not a judgement

How many credit cards currently have a balance? (exclude cards you payoff every month)

Monthly Expenses

Everyday living expenses (separate from your mortgage and loans)

Smart estimates loaded based on your income. Adjust any amounts that feel off.

Utilities

(Electric, gas, water & trash)

Internet/Phone

(Internet, mobile, streaming packages, cable)

Food (groceries & dining out)

Transportation

(Fuel, maintenance, transit - not payments)

Insurance (non-health)

(Auto, life, umbrella, other)

Health & Wellness

(Medical, prescriptions, gym, therapy)

Recreation

(Hobbies, activities, fun stuff)

Family

(Kid's expenses, school, child support, etc)

Personal Care

(Haircuts, clothing, personal items)

Charitable Giving

(only include your regular giving)

💡 Leave blank or enter zero for categories that don't apply to you.

Here's what we think your month looks like...

Does anything feel off? Now's the time to catch it.

💰 What comes in

Monthly take-home income: $0

🏠 What goes out

Living expenses: -$0

All debt payments (mortgage + other): -$0

⭐ What's left each month

$0

This monthly margin is what we use to build your payoff plan

If it feels close to real life - we're ready to go.

We're going to model your plan using smart, conservative defaults.

(You can always tune assumptions later with a coach, if you choose.)

Building your Zero Debt plan...
(Let's take a look at what this unlocks)

YOUR ZERO DEBT SNAPSHOT

(This is the clarity of the right sequence)

You could be completely debt-free by

-

Interest saved

$0

Based on your inputs + conservative defaults (see assumptions)

Wealth kept (illustration at 7%):

$0

illustrative, not guaranteed

Good news — This plan doesn't require more income, just a better sequence.

The Quiet Cost of Waiting

What This Means for You

Your Next Safe Step

📊 Cashflow Snapshot - Your Real Life Revealed

▼

📈 How common payoff strategies compare

▼

💰 What your payment can become

▼

Disclaimer: Estimates only. Results may vary. 7% investment return not guaranteed. Consult a financial advisor.

For many people, this is the moment things begin to change.

Seeing a potential debt-free date can change the way the future feels.

But the numbers alone don’t explain why the timeline changes.

That’s what the Exodus Strategy class walks through step-by-step.

(The calculator shows the results The class explains the mechanics)

Where Are You In The Process?

Most people find themselves in one of three places.

Ready Soon

You like what you see but you would like to really discuss it with a person. You have questions.

Review my numbers again

Make sure it's legit

Speak with a person

Ready Now

You like what you've seen so far

And you want to start right away.

Get Full Access to the Strategy

Learn the specifics & pricing

Implement the plan

Payoff Debt

Ready Later

Your interest has been peeked

But you really need to take some time.

Learn more about the strategy

Answer some more questions

Review the data

The Pattern We Recognized

What we noticed was simple.

Families were doing the right things. They paid their mortgages on time. They work hard. Yet the finish line kept moving further away.

The problem wasn't discipline. Most people are simply never shown how the mortgage system actually works. We'd like to change that.

Cameron & Kathy Thomas

What Fire My Mortgage Does:

Fire My Mortgage® exists to bring clarity to a system most people were never taught to understand.

Instead of complicated financial tricks, the Exodus Strategy focuses on how mortgage interest actually behaves.

When people understand the system, better decisions become possible.

The Fire My Mortgage Team

A Final Word

Many families feel stuck because they believe their mortgage timeline is fixed.

Sometimes what people need most is clarity and direction.

This project exists to help restore both.

Wake up, Break up with Debt, and Live.

Many people start by exploring their numbers.

Watch the Strategy Class

Disclaimer

These tools are educational by design.

They do not replace personalized advice.

They do not make decisions for you.

They do not assume one strategy fits everyone.

Their purpose is simple:

To help you understand what’s possible

— clearly and calmly.

Fire My Mortgage helps families create clarity and control using math-based strategies and guided support.

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