Mortgage Rate Strategy Analyser

Compare fixed vs. variable mortgage strategies with Monte Carlo rate simulation, amortization modelling, and opportunity-cost analytics.

Scenario Parameters
Mortgage Terms
Interest Rates
Lump-Sum Prepayment
Rate Model (Vasicek)
Opportunity Cost
Monte Carlo

Running Monte Carlo simulation…

Configure parameters and click Run Analysis to begin.

Outstanding Balance by Strategy
Cumulative Interest Paid
Vasicek Rate Fan Chart (Monte Carlo Percentiles)
Monte Carlo: Total Interest Distribution (Variable Rate)
Invest-the-Difference: Portfolio Growth vs. Mortgage Savings
Lump-Sum Convexity: Interest Savings vs Prepayment Size
Amortization Schedule
Month Rate (%) Payment ($) Interest ($) Principal ($) Balance ($) Cum. Interest ($) Cum. Principal ($)
Run analysis first, then click Load.