09/16/2026
How to Use the All-In-One Mortgage Simulator
I want you to try the simulator yourself because the numbers are much more powerful when you see your own situation.
👉 Start here: https://justinborvansky.com/aio/calculator/
The goal isn't just to ask, "What's my mortgage payment?"
The better question is:
"What could happen if I used the money I'm already earning and spending more strategically against my mortgage?"
Step 1 — Enter your mortgage information
Start with the basics:
Current or proposed loan balance
Interest rate
Loan term
Estimated monthly payment
If you're considering a new purchase, use the estimated loan amount you're considering.
If you're refinancing, use your current mortgage balance.
Step 2 — Enter your monthly income
This is important. Enter the money that regularly flows into your checking account each month — salary, commissions, rental income, or other recurring income.
The simulator is trying to demonstrate something very different from a traditional mortgage:
Your income doesn't have to sit in a checking account while your mortgage balance continues to accrue interest.
With an All-In-One structure, available cash can work toward reducing the balance while remaining accessible through the line of credit.
Step 3 — Enter your normal monthly expenses
Don't enter what you wish you spent every month. Enter what you actually spend.
This is where the simulator becomes interesting because it looks at your cash-flow surplus, not just your mortgage payment.
Step 4 — Look at the results
Now compare what happens over time.
Pay particular attention to:
1. Projected payoff time
How long does the simulator project it could take to eliminate the mortgage?
2. Interest paid
How much interest could potentially be avoided compared with a traditional 30-year mortgage?
3. Principal reduction
How quickly does the mortgage balance potentially decline?
4. Your cash flow
This is the big concept.
Instead of thinking:
Income → Checking Account → Mortgage Payment
you're looking at:
Income → Mortgage Balance → Expenses
The idea is that your incoming cash can reduce the daily balance on which interest is calculated, while your available credit remains accessible for your normal spending.
Step 5 — Play with the numbers
This is my favorite part.
Change the variables and see what happens.
For example, try:
Scenario A:
Higher monthly income + normal expenses
Scenario B:
Same income + lower expenses
Scenario C:
Add additional monthly deposits
Scenario D:
Increase your average cash balance
You'll quickly see that cash flow is a major part of the equation.
One important disclaimer
The simulator is an illustration, not a guarantee.
Your actual results will depend on the specific situation.
The point of the simulator is to answer one question:
"Could my money be working harder for me?"
Let's run a personalized analysis together.
Don't just take my word for it. Put your numbers in and see what happens. Call me with questions 303-919-4288
