You made a decision that most people never make — you chose to stop drifting and start directing. Your Freedom Builder™ is the bridge between that decision and Your Freedom Blueprint™ — the plan that makes it real. Every number you enter becomes a weapon against the debt that has been working against you. Fill it completely. Fill it honestly. Your Design Meeting is waiting.
Complete your Freedom Builder™ — your numbers become Your Freedom Blueprint™
Submit → Unlock your Design Meeting
Walk out with your written roadmap to debt freedom
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Your Design Meeting is where we take everything in this form and build Your Freedom Blueprint™ — your personalized, month-by-month debt elimination roadmap — with real projected payoff dates, real interest savings, and a real plan you can execute starting the day after we meet. The more complete and accurate your numbers are here, the more powerful and specific that plan will be. Before you begin: pull your most recent bank statements, credit card statements, and installment loan statements. You will need the exact balance, interest rate, and minimum payment for every account. The more precise your numbers, the more powerful your Freedom Blueprint™.
You made the right call. Here is why what you are about to do matters more than you may realize.
Most people spend their entire working lives making payments — on credit cards, on car loans, on a mortgage — and they retire with less freedom than they expected because the interest never stopped. You decided that was not going to be your story. That decision is the hardest and most important one you will ever make about your financial life. Everything else — the method, the math, the strategy — follows from it.
We are not here to judge where you are starting from. We have seen every situation — every balance, every income level, every combination of debt. What matters is not where you are today. What matters is that you are ready to move. This form is the first move.
Give us your real numbers — not your optimistic ones. A plan built on real numbers produces real results. A plan built on what you hope is true produces frustration. We need the truth so we can hand you a plan that actually works — one that will still be working for you a decade from now when your mortgage is gone and your retirement is yours to keep.
1
Client Information
Let's make sure your plan is built for the right household
Required
Required
🔒 VERIFIED
Valid email required
This is the email connected to your account. It cannot be changed here — contact us if this is incorrect.
Required
Used for text notifications and reminders about your plan milestones
Required
Required
2
Household Income
The engine of your entire acceleration plan — after-tax take-home only
★ This number is the starting point of everything
Your monthly take-home pay — the amount that actually lands in your bank account after taxes — is the raw material your entire NMM plan is built from. Every dollar of debt you eliminate, every month you shave off your mortgage, every interest payment you avoid — it all starts here. Include every reliable income source: primary employment, spouse or partner income, side income, rental income, any regular deposit. Do not gross up your pay — we need the actual after-tax amount, because that is the only money we get to work with.
Income Source / Description
Pay Frequency
Amount Per Paycheck ($)
Monthly Net ($) — auto-calculated
TOTAL MONTHLY NET INCOME
List any income that does not arrive every month — annual bonus, overtime, tax refund, commission, seasonal income, side jobs. We use this to identify one-time acceleration opportunities at your Design Meeting. Enter the estimated amount per occurrence and how often it arrives.
Description
How Often
Estimated Amount ($)
Best Month(s) to Receive
The Retirement Squeeze is the percentage of your retirement income your mortgage P&I will consume if you still carry it when you retire. Fill in your expected retirement income and age — we calculate your specific Retirement Squeeze at your Design Meeting. You'll see this concept in the NMM™ Client Training before you get there.
You
Spouse / Partner
$
Pension, Social Security, 401(k) — all sources combined
$
Leave blank if combined total entered on the left
Not sure yet? Leave any field blank — we can estimate. Even a rough target age makes the retirement alignment calculation work.
The Retirement Squeeze
Your P&I today
—
— of take-home
Same P&I at retirement
—
— of retirement income
3
Savings, Checking & Liquid Assets
Your unemployed money — about to be put to work for you
★ List every account — checking, savings, CDs, and money market
We need an accurate picture of your liquid assets — every account you have access to. Include the current balance for each one. Do not leave anything out. This information is used in your Design Meeting to build the most effective starting position for your plan.
Checking Accounts
Bank / Institution
Account Description
Current Balance ($)
Savings Accounts
Bank / Institution
Account Description
Current Balance ($)
CDs & Money Market Accounts
Bank / Institution
Type (CD / MM)
Maturity Date
Balance ($)
Voluntary Monthly Savings
List any amounts you voluntarily transfer each month to savings accounts beyond what comes through automatic payroll deductions. Include the monthly dollar amount and the institution.
Account / Fund Description
Institution
Monthly Amount ($)
4
Credit Cards & Revolving Debt
The first target. The highest cost. The fastest win.
★ Balance-carrying cards only — and here is why this section matters so much
Credit cards typically carry the highest interest rates in a household — which makes them a priority target in most plans. List every card currently carrying a balance — any order is fine. Do not include cards you pay off in full every month — those are not debt and do not factor into your plan. For each balance-carrying card, we need four numbers: current balance, credit limit, minimum payment, and interest rate (APR). The exact attack sequence — and whether any installment debt should be prioritized ahead of a card based on cash flow or rate — is determined together at your Design Meeting. Most people are genuinely surprised when they see their actual APR written down. That surprise is one of the most clarifying moments in this entire process.
Card / Lender Name
Last 4
Balance ($)
Credit Limit ($)
Min. Payment ($)
Interest Rate (APR — check statement or app)
TOTALS
Quick reminder on APR: if you're not sure, here's how to find it.
Log into your card's website or app → look for "Account Details," "Terms," or "Rates & Fees." You're looking for the Purchase APR — typically a number between 18% and 30%. If you have multiple rates (promotional vs. standard), use the standard rate. If you genuinely cannot find it, enter your best estimate and note the card name — we'll verify it together on your Design Meeting.
★ The Permanent Pay Increase
Every debt you eliminate is a permanent, after-tax pay raise — your monthly payment redirected back to your household, month after month, for the rest of your life. Your Design Meeting will show you the cumulative raise as each card on this list falls.
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Installment Debt
Phase B of your waterfall — every payment freed here funds your mortgage attack
★ Every eliminated installment payment joins your attack force
Auto loans, student loans, personal loans, and medical payment plans — every installment debt with a scheduled repayment belongs here. Each one you eliminate permanently removes that monthly obligation and adds it to the momentum building toward your mortgage. The sequence in which consumer debts are attacked — including whether any installment loan should be prioritized ahead of credit cards based on rate, payment size, or cash flow — is determined together at your Design Meeting. For each loan, enter the current balance (not the original amount), your required monthly payment, and the interest rate. We calculate months remaining automatically from those three numbers.
Lender / Loan Type
Current Balance ($)
Monthly Payment ($)
Rate (%)
Approx. Remaining
TOTALS
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Your Mortgage
The final target — and the one that changes everything when it is gone
★ Pull out your most recent mortgage statement before filling this out
We need four numbers from it: your current balance, your interest rate, your monthly principal and interest payment, and your original loan amount. Everything else calculates automatically. Fill it in exactly as it appears — no rounding, no estimating.
Primary Mortgage
Required
$
Used to calculate your starting TIP
$
Required
%
Required
Monthly Payment — From Your Mortgage Statement
$
Required
Labeled "Principal" on your statement
$
Required
Labeled "Interest" on your statement
Combined P&I Total
$0.00
Do not include your Escrow line — you will enter that separately below.
yrs
Complete the four fields on the left — your payoff date appears here
Your Current TIP
—
of your remaining balance goes to interest
Scroll down for your full TIP picture
Additional Monthly Housing Costs
$
Enter 0 if not escrowed
$
$
$
📋 Please enter your annual tax and insurance amounts below
Your annual property tax amount can be found on your county tax bill or on the county tax assessor's website. Your annual homeowners insurance premium is on your insurance declarations page or renewal notice. Enter the full annual amount for each — we'll handle the math from there.
Property Taxes & Insurance — Paid Separately
$
$
Do you have an existing second mortgage or HELOC on this property?
Locate your most recent statement for this loan or line. We need the lender name, current balance, your required monthly payment, and the interest rate.
$
$
%
Second Mortgage TIP
—
of this balance goes to interest
Complete the three fields above — your second mortgage TIP appears here
⚡ HELOC — Variable Rate Priority Target
A HELOC's variable rate and revolving balance make a fixed TIP calculation impossible — but what is certain is that the current rate makes it a priority target. The rate and balance you enter here are used in your Design Meeting to sequence it correctly against your other debts.
$
$
HELOC rates are variable — check your most recent statement for the current rate.
Your TIP — Total Interest Percentage
These numbers calculated automatically from what you entered above.
This is what the bank knew when you signed. The gap between your original TIP and your current TIP is the interest you have already paid. Everything remaining is what the NMM Method is built to collapse.
Your Complete TIP Picture — Original vs. Current
What the bank scheduled from day one
Original Loan Amount
—
Total Interest — Full Life of Loan
—
Original TIP
—
YOUR CURRENT POSITION
What you still have scheduled from today forward
Current Balance
—
Interest Still Scheduled
—
Current TIP
—
Interest Already Paid to the Bank
—
Optional — Enter TIP from Your Original Mortgage Documents
If you have your Loan Estimate or Closing Disclosure and want to compare against our calculation: Loan Estimate — page 3.Closing Disclosure — page 5. Completely optional — the calculator above is all we need.
%
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Monthly Household Expenses
The complete picture — because your plan has to work in your real life
★ Honesty here is what makes your plan actually work
List what you spend each month — every regular bill and expense. We are not going to ask you to cut your spending or change your lifestyle. That is your choice after we build your plan. Right now we just need an accurate picture of where your money goes so we can calculate a surplus that is real — not optimistic. Check your last 2–3 bank and credit card statements to make sure nothing is missed. When in doubt, round up. Underestimating your expenses leads to a plan that falls apart in real life.
Only include expenses paid from your take-home pay. If something is deducted from your paycheck before you receive it — like health insurance or retirement contributions — leave it out here. We are already working from your after-tax take-home in Section 2, so those costs are accounted for. Listing them again would understate your surplus.
Housing
$
$
$
$
$
Transportation
$
$
$
$
Health & Wellness
Only include amounts paid from your bank account — not premiums already deducted from your paycheck before deposit.
$
$
$
$
Food & Household
$
$
$
$
Children & Family
$
$
$
$
Personal & Lifestyle
$
$
$
$
$
$
$
$
Anything Else? Add It Here
If you have a regular monthly expense that is not listed above — a second car payment listed elsewhere, a storage unit, a recurring medical cost, anything — add it here. Every dollar counts toward your accurate surplus.
Your Monthly Attack Force
This is the number that changes everything. It updates in real time as you complete the form. Once your consumer debt is gone, this entire amount redirects to your mortgage — watch what happens to that number in the callout below.
Total Monthly Net Income
$0
Total Monthly Outflow
$0
Monthly Expense Breakdown
🏠 Housing
$0
P&I · tax · ins · HOA
🛒 Living Expenses
$0
utilities · food · transport · etc.
💳 Consumer Debt Payments
$0
credit cards · auto · loans
🚀 When your consumer debt is eliminated — this is your mortgage attack force:Your monthly cash flow available to accelerate your mortgage payoff would grow to $0 — every dollar of that goes directly to principal. This is the number we build Your Freedom Blueprint™ around.
Current Monthly Surplus
$—
Complete the sections above to see your monthly surplus — the starting point of your entire acceleration plan.
— You've Built the Foundation —
The numbers you just entered feed four phases.
Your Freedom Reserve. Your Attack Stack. Your Mortgage Freedom date. Your Opportunity Cost. You heard the headlines on your Roadmap Call. Your Design Meeting is where every number becomes yours — with your name on it.
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Additional Notes
Anything on your mind that will help us build the best possible plan for you
📋
Save a copy before you submit — you will want these numbers at your Design Meeting
Every number in this form becomes part of your roadmap. Save or print a copy now so you have everything in one place — including your TIP calculations — ready the moment we start building your plan together.
By checking this box, I confirm I have watched the complete NMM client training before completing this form. I understand that the training is the foundation for everything we build together at my Design Meeting — and that completing it is required before scheduling.
⚠ You must confirm completion of the NMM™ Client Training before your Freedom Builder can be submitted. The training is required before your Design Meeting.
By submitting my Freedom Builder, I confirm that the information provided is accurate and complete to the best of my knowledge. I understand that the precision of my Design Meeting roadmap depends directly on the accuracy of this information — and that a plan built on real numbers produces real results. My Freedom Builder is submitted securely and used solely by the NoMoreMortgage.com™ team to build my Freedom Blueprint™ — my personalized debt elimination and mortgage acceleration plan.
You will be redirected to your Design Meeting scheduling page immediately. Your roadmap to financial freedom is one meeting away.
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You Are On Your Way.
Your Freedom Builder has been received. The decision you made — to stop drifting and start directing — is already in motion. Your Design Meeting is where we turn every number you just submitted into a written, month-by-month roadmap to complete financial freedom.
📎 One last step — send your file
A file named your-freedom-builder.json has been downloaded to your device. Please reply to your welcome email from NoMoreMortgage™ and attach this file. We will receive your numbers and have your Freedom Blueprint™ ready when we meet.