Monthly mortgage payment
$0
Whole property payment
Net equity at exit
$0
Exit in year 5
Family fairness
Balanced
Average household balance
Buyout amount
$0
For exiting family member
Fairness rule toggle
Interest behaves like housing cost. Principal follows ownership.
Family monthly allocation
See how household payments, principal credit, interest cost, and housing benefit are distributed across the family group.
| Participant | Mortgage Share | Principal Credit | Interest / Housing Cost | Carrying Cost Share | Total Monthly |
|---|
Family fairness meter & optimizer
The scale shows whether the overall arrangement leans toward residents or non-resident owners, while each participant receives an individual fairness ratio.
Household fairness statusBalanced
FavoursNeither side
Best living-benefit setting found70.0%
Current fairness gap0.0%
Optimizer actionCurrent setting is acceptable
Family fairness scale
Favours residents
Balanced
Favours non-resident owners
Balanced near centre
Participant 1
0.00x
Value received per dollar contributed
Participant 2
0.00x
Value received per dollar contributed
Participant 3
0.00x
Value received per dollar contributed
Life events module & early paydown tracker
Model income changes, move-out events, and extra principal payments under prepayment privilege limits.
No active life event
Payment pressure change$0
Occupancy impactNo change
Extra principal used$0
Prepayment privilege remaining$0
Updated mortgage balance$0
Estimated interest saved$0
Fairness effectNo material change
Recommended discussionReview household responsibilities
Adjusted participant 1 pressure$0
Adjusted participant 2 pressure$0
Adjusted participant 3 pressure$0
Exit & transition planning
Estimate what happens if one family member exits, the property is sold, or the remaining household refinances to keep the home.
Future property value$0
Mortgage balance at exit$0
Net equity pool$0
Participant exit entitlement$0
If sold: participant 1$0
If sold: participant 2$0
If sold: participant 3$0
Total net proceeds$0
Total buyout required$0
New mortgage required$0
New monthly payment$0
Estimated income needed$0
Time-based equity chart
Track projected equity growth over time across the family arrangement.
Year 1 projected equity (net of selling costs)$0
Year 3 projected equity (net of selling costs)$0
Year 5 projected equity (net of selling costs)$0
Year 7 projected equity (net of selling costs)$0
Year 10 projected equity (net of selling costs)$0
Share / print family scenario summary
Create a plain-language household summary you can share with family members, realtors, or legal advisors.
Scenario
Current Family Scenario
Rule: —
Occupancy: —
Headline Result
Balanced near centre
Family balance summary
Monthly household cost$0
Fairness status—
Life event—
Sell proceeds$0
Buyout amount$0
Refinance payment$0
Assumptions / Disclaimer
Planning model: This tool is designed for family shared-ownership planning and affordability analysis.
Not legal advice: Ownership rights, occupancy arrangements, gifts, loans, and exit terms should be confirmed in a legal agreement.
Not lender approval: Qualification estimates are rough screening figures only.
Projection risk: Appreciation, rent, cost, and exit assumptions may differ from real-world outcomes.
Scenario library
Save and compare family structures such as “three sisters equal split” or “parents + child with gifted equity.”
Saved scenario status
No saved comparison scenario yet.
Saved scenarios
No saved scenarios yet.
Use “Save Current to Library” to capture the current family structure.
Side-by-side scenario comparison
Compare the current live family scenario against a saved library scenario.
| Metric | Scenario A (Live) | Scenario B (Saved) |
|---|---|---|
| Monthly household cost | — | — |
| Fairness status | — | — |
| Buyout amount | — | — |
| New payment after buyout | — | — |
| Scale outcome | — | — |
| Notes | — | — |
Export co-ownership report
Generate a printable branded report summarizing the family arrangement, fairness findings, life events, and exit options.
Report title
Family Shared Ownership Report
Current live scenario
Contact Information
Allen Ehlert
Mortgage Agent
allen@allenehlert.com
905-441-0770
www.AllenEhlert.com
allen@allenehlert.com
905-441-0770
www.AllenEhlert.com
Fairness result—
Life event—
Active rule—
Sell proceeds$0
Buyout amount$0
Refinance payment$0
Disclaimer
This calculator is provided for educational and scenario-planning purposes only. It is not legal, tax, accounting, or financial advice, and it is not a mortgage approval or lending commitment. Results are based on the assumptions entered and may differ from real-world outcomes. Property values, appreciation rates, rental assumptions, carrying costs, penalties, legal fees, and refinance terms can all change. Family shared ownership arrangements should be reviewed with appropriate legal and financial professionals, and any ownership, occupancy, contribution, buyout, gift, loan, or inheritance terms should be documented in a written agreement.