Interest Only
Leveraged Investing Snapshot
See how $500/month of investable cash flow could grow your wealth over 10 years — after all taxes and costs.
Income Profile
Analysis Assumptions
$500/month gross- Interest Rate
- 9.00%
- Annual After-Tax Cost
- $3,900
- Annual Before-Tax Interest
- $6,000
10-Year Comparison (One-Page Summary)
| Annual Return | Without Loan | With Loan (Net) | Net Advantage | Advantage % |
|---|---|---|---|---|
| 0.00% | $39,000 | $0 | -$39,000 | -100.0% |
| 3.00% | $44,391 | $19,413 | -$24,979 | -56.3% |
| 6.66% Better Than ✓ | $52,184 | $52,184 | — | — |
| 7.00% | $52,972 | $55,759 | $2,787 | +5.3% |
| 10.00% | $60,636 | $92,733 | $32,097 | +52.9% |
Year-by-Year Projection (7% return)
| Year | Without Loan | Unlev. Distrib. | Lev. Gross Bal. | Lev. Distrib. | Net Balance | Net Advantage | Advantage % |
|---|---|---|---|---|---|---|---|
| 1 | $3,900 | $0 | $71,092 | $1,159 | $3,885 | -$15 | -0.4% |
| 2 | $8,059 | $68 | $75,812 | $1,236 | $8,089 | $30 | +0.4% |
| 3 | $12,494 | $140 | $80,844 | $1,318 | $12,632 | $138 | +1.1% |
| 4 | $17,223 | $217 | $86,211 | $1,405 | $17,532 | $309 | +1.8% |
| 5 | $22,267 | $299 | $91,933 | $1,498 | $22,812 | $546 | +2.5% |
| 6 | $27,645 | $387 | $98,036 | $1,598 | $28,495 | $850 | +3.1% |
| 7 | $33,380 | $480 | $104,544 | $1,704 | $34,603 | $1,224 | +3.7% |
| 8 | $39,496 | $580 | $111,483 | $1,817 | $41,165 | $1,669 | +4.2% |
| 9 | $46,017 | $686 | $118,884 | $1,938 | $48,207 | $2,189 | +4.8% |
| 10 | $52,972 | $800 | $126,775 | $2,066 | $55,759 | $2,787 | +5.3% |
Want Your Personalized Analysis?
This snapshot uses $500/month as the baseline. The full $MART DEBT app will let you enter your own amount, interest rate, and tax profile to model your exact situation.
Full interactive calculator — coming in Phase 2