🔮 What If Machine

Play with scenarios and watch the numbers change in real time. Your actual mortgage data is loaded automatically.

💡 New to this? Try moving one slider at a time to see how it affects your numbers. Green = saves you money.

Adjust Scenarios

What if rates drop to...Your rate: --Market avg: ~6.8% --
What would happen if you refinanced at a different rate?
What if your home gains/loses... 0%
How would your home's value changing affect your equity?
Extra payment per month $0
Extra money toward your mortgage each month pays it off faster
What if you sell in... 10 years
How far into the future do you want to look?
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Equity Position
New Monthly Payment
What you'd pay each month with these changes
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Total Interest Saved
Money you'd save over the life of the loan
$0
Equity Position
How much of your home you actually own
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Break-even Point
Months until refi savings cover closing costs (~$4K)
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Net Profit if Sold
What you'd pocket after selling and paying off the loan
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Fetching your home details from your account.

Done running numbers? Let's make it real.
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💰 Extra Payment Impact

What happens if you pay a little extra each month? Spoiler: it adds up fast.

Extra monthly payment$200
Even an extra $100/month can save you years of payments
Years Saved
How much sooner you'd be mortgage-free
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Interest Saved
Money that stays in your pocket instead of going to the bank
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New Payoff Date
When your last payment would be
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Original vs New Payoff Timeline
Now-- yrs
Adjust the slider to see your savings
🏠 Rent vs Sell

Thinking about moving? See whether selling now or renting it out makes more financial sense.

Monthly rent you'd charge$2,000
What could you charge a tenant per month?
Property management fee8%
A property manager typically charges 8–10% of rent
Annual maintenance cost$3,000
Budget 1–2% of home value per year for repairs
Annual appreciation3%
Historically, homes appreciate ~3–4% per year
Hold period5 years
How many years would you keep renting it out?
Annual Cash Flow
Yearly income after all expenses
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Total Rental Income
Net rental profit over the hold period
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Future Home Value
Estimated value when you sell
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Total ROI
Return on your investment vs selling today
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💵 Sell Now

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Net after costs

🏠 Rent Then Sell

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Total net return
Adjust sliders to compare

FinCrib is not a financial advisor, lender, or insurance provider. All information is for educational purposes only and should not be considered financial advice. Estimates and calculations may not reflect actual values. Read full disclaimer. Consult a licensed professional before making financial decisions.