Property and debts

Last updated September 19, 2026

Any number of properties can be entered here, all free — value, appreciation, mortgage, housing cost, and rental income — along with any debts you're carrying.

A property's value grows at a flat rate you set (its own "real appreciation rate"), not a rate sampled from the market the way stocks and bonds are. Housing cost is a combined monthly figure — mortgage payment, property tax, insurance, and maintenance — and once a primary property is entered, its cost replaces the flat "Housing" line on the Spending section automatically, so the two never double count.

Net rental income offsets only that specific property's own cost; it's never pooled with other properties or with your general income. A planned sale or downsize age can route the proceeds to cash or a taxable brokerage account.

Debts (student loans, auto loans, credit cards, HELOCs, or other) track a balance, interest rate, and monthly payment — the payment counts as spending until that debt is paid off.

Every property is free to add here, with no limit — an earlier version of this page had a second-property teaser suggesting it was a paid feature; that was a copy bug, not a real limit, and has been fixed.