Mortgages & debt
Capture existing loans with P&I or interest-only structures, model future mortgages for homes or major projects, and show how surplus cash accelerates debt freedom — linked to the same lifetime cashflow graph as retirement.
Mortgages & personal debt
Primary and investment mortgages, vehicle loans, credit cards, personal loans, and student loans sit on the balance sheet with accurate paydown logic. Interest-only periods, terms, and rates are configurable per facility.
Surplus monthly cash can reduce debt according to your plan assumptions — illustrate how faster paydown affects retirement capital and sequence-of-returns risk.
First home & future projects
Guided wizards cover Buy home and Buy investment property with deposit, loan terms, and automatic repayment estimates. Early mortgage payoff is a timeline event.
Model whether there is enough time before retirement to rebuild KiwiSaver after a purchase, or whether other assets support decumulation — compare borrow-less scenarios with plan comparison or sliders.