20, 25 or 30 year mortgages: payments, interest and flexibility
Understand duration while holding principal and rate constant, then connect payments with your budget.
Read guide →Simuily / Learn and calculate
Guides
Guides to understand each decision
A savings budget: turning income into sustainable contributions
Organise spending, annual bills and monthly headroom to find a contribution you can sustain.
Read guide →Amortization schedules: reading principal, interest and outstanding debt
Check each column and understand why a payment’s principal and interest components change over time.
Read guide →Compound interest with monthly contributions: how to read your results
Understand contributions, compounding conventions, inflation and scenario comparisons before relying on a projected balance.
Read guide →Emergency fund: setting a target and building your reserve
Set a reserve around essential spending, income stability and access, with a worked savings exercise.
Read guide →Fees and long term saving: comparing their cumulative effect
Distinguish fixed and proportional costs, avoid double counting and compare scenarios with identical contributions.
Read guide →Fixed and variable mortgages: comparing stability, resets and scenarios
Separate the rate period from the repayment horizon and explore scenarios without predicting future benchmarks.
Read guide →Home down payments: cash needed beyond the purchase price
Calculate the down payment, loan and reserve without confusing available savings with spendable cash.
Read guide →Home purchase costs: building a budget without double counting
Separate price, financing, transaction expenses and recurring payments in a budget adaptable to your country.
Read guide →How much housing can you afford? Budget, reserves and stress scenarios
Build a complete housing budget and distinguish lender approval from personal payment capacity.
Read guide →How much to save each month: targets, deadlines and changing prices
Build a savings target around your existing balance, monthly capacity, time horizon and explicit assumptions about future prices.
Read guide →Inflation: how the purchasing power of savings changes
Distinguish prices, nominal balances and purchasing power without treating an assumption as a forecast.
Read guide →Mortgage overpayments: lower payments, shorter terms and interest savings
Compare the effects of an extra principal payment, distinguish interest savings from cash flow and account for contract charges.
Read guide →Mortgage payments explained: principal, interest and the wider housing budget
Understand a repayment mortgage, compare terms and separate the loan payment from purchase costs and ongoing housing expenses.
Read guide →Nominal and real returns: interpreting growth and buying power
Compare returns and inflation using consistent units, costs and examples that avoid double adjustments.
Read guide →Overpay the mortgage or keep savings: cost, risk and liquidity
Separate avoided interest from uncertain returns and compare options from the same date and budget.
Read guide →Rent or buy: comparing costs, wealth and length of stay
Structure a comparison including outstanding debt, alternative savings and entry and exit expenses.
Read guide →Saving horizons: what changes when you start earlier or delay a goal
Explore time, contributions and access through comparisons that preserve equivalent assumptions.
Read guide →Saving with irregular income: a plan built around your cash calendar
Build a baseline contribution, reserves for quieter months and rules for occasional income.
Read guide →Sinking funds: planning annual expenses and multiple goals
Separate emergencies from expected bills and calculate contributions for different deadlines without double counting.
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