โ
โ Back to Calculators
ยท
โ Home Hub
๐จ Josh Mortgage Ceiling Assessment
Hub-internal ยท
P1
P2
P6
ยท Calculator
โ MOST important calc.
Determine Josh's TRUE sustainable monthly mortgage ceiling โ differentiates
survivable
from
sustainable
. Anti-house-poor guardrail.
Inputs
Current repurposable cash flow ($/mo)
Current investment contributions ($/mo)
Current savings contributions ($/mo)
Current surplus debt paydowns ($/mo)
Office rent income ($/mo)
Existing recurring bills + min debt ($/mo)
Personal spending target ($/mo)
Desired monthly buffer ($)
Desired ongoing investing post-purchase ($/mo)
Desired emergency reserve growth ($/mo)
โ Jess-income-loss stress test inputs โ
Jess-loss target total Josh must cover ($/mo, mortgage+utilities)
๐ข Calculate
โ press Calculate (or Enter) to render โ
๐พ Save to Log
๐ Export Log
Logged scenarios (this device โ localStorage)
No saved scenarios yet.
๐ Clear log
Action
Use sustainable, not survivable
โ survivable is the I-can-barely-breathe number. Sustainable preserves the life you actually want.
Conservative ceiling = best for actual offer planning โ gives 15% safety margin.
Feed the sustainable number into Mortgage Split calc as Josh's healthy ceiling target.
Compare against Mortgage card PITI โ if PITI > sustainable, the house is too expensive even if technically affordable to a lender.