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Mortgage balance

Outstanding mortgage balance before re-advancing principal.

Mortgage rate (%)

Amortization (years)

Amortization (months)

Payment frequency

Mortgage compounding

HELOC rate (%)

Monthly contribution

Optional extra investment advanced from the HELOC each month.

Capitalize HELOC interest

Adds HELOC interest to the balance instead of paying from cashflow.

Marginal tax rate (%)

Used to estimate annual refund on deductible interest.

Expected investment return (%)

Projection years

Smith Manoeuvre