// multi-utility computation suite · offline · instant · precise
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finance.mortgage-vesting-waterfall Calculator
Calculates the vesting schedule and ownership waterfall in a mortgage and property investment equity scenario from grant date, cliff, and vesting period. Standard vesting is 4 years with a 1-year cliff — employees who leave before the cliff receive no shares, providing retention incentive for the critical first year.
Inputs
Price
The agreed sale price of the home. Your down payment is typically a percentage of this figure.
Down
Cash paid upfront, reducing the amount you borrow. Putting down 20%+ typically eliminates private mortgage insurance (PMI).
Rate
The rate at which interest accrues. Small differences compound dramatically — compare carefully when choosing between lenders.
Term
Reference formula or conversion factor shown for context.
Results
loan amount
The principal borrowed — the starting balance before any interest accrues.
monthly payment
Fixed monthly instalment covering principal and interest. Does not include property tax or insurance unless explicitly shown.
total paid
Sum of all payments made — principal plus all interest. Subtract the loan amount to see the pure interest cost.
total interest
Cumulative interest paid over the loan term. Paying even a little extra each month toward principal can save tens of thousands.