Spending, housing, and goals
Model housing, mortgage, rent, and property tax
Represent required housing costs and their different end and growth rules.
When this applies
Use this for a mortgage and property tax; add rent, insurance, HOA, and maintenance as recurring items.
Where to enter it
Portfolio > Scenario Editor > Annual Spending > Housing
How to enter it
- Enter annual mortgage payment and payoff date.
- Enter annual property tax and optional growth; blank follows scenario inflation.
- Add rent, homeowners insurance, HOA, maintenance, or other costs as separate spending items.
- Use a one-time goal for a discrete home purchase or renovation.
How YARCalc uses it
- Mortgage payment continues through the selected payoff year.
- Property tax continues and grows independently of mortgage payoff.