AI Mortgage Simulator

Compare 15, 30, 40, and 50-year terms with Gemini AI intelligence.

Gemini 2.5 Flash

Loan Parameters

$
Conservative (28%) Max (45%)
$
$100,000 Equity
%
New Loan Principal
$400,000

Insight

Extending from 30 to 50 years reduces monthly payments by roughly 15%, but can increase total interest paid by over 80%.

15 Year Fixed

Monthly
$3,484
DTI Calculating...

Equity (5 Yrs) $15,000
Cost Ratio 1.5x

30 Year Fixed

Monthly
$2,528
DTI Calculating...

Equity (5 Yrs) $15,000
Cost Ratio 2.1x

40 Year Fixed

Monthly
$2,315
DTI Calculating...

Equity (5 Yrs) $10,000
Cost Ratio 2.5x

50 Year Fixed

Monthly
$2,210
DTI Calculating...

Equity (5 Yrs) $8,000
Cost Ratio 3.0x

AI Strategy Hub

Rental Property?

Adjust the slider values, enter a goal, and click a button to get AI-powered mortgage advice.

Total Cost Analysis

Principal Paydown (Equity Build)