About
Mortgage Risk Calculator helps you answer a real-life question: “If something goes wrong, how long do I last?”
Why this exists
Mortgage approval isn’t the same thing as mortgage safety. A payment can look fine on paper and still be fragile if your income drops, rates rise (ARM/reset risk), escrow increases, or a large emergency repair hits.
What the tool does
- Stress tests your monthly budget under realistic scenarios
- Calculates a simple stress score (resilience vs risk)
- Shows runway (how long savings lasts when you’re burning cash)
- Finds breakpoints where your budget flips negative
What it does not do
- It’s not financial advice or a loan approval tool
- It doesn’t replace professional guidance for complex situations
- It doesn’t access your bank accounts or personal data
Privacy-first by design
This is a simple static web app. Your inputs are used to calculate results in your browser. We don’t require accounts to use the tool.
Questions? Use the contact page. For details on data handling, read privacy.