True Wealth
Calculator
Five interactive tools that reveal how money actually builds over a lifetime — where every dollar goes, how savings compound, how real estate leverage multiplies your return, and how to eliminate debt faster. No signup, no data stored.
Where does every dollar go?
The wealthy don't earn more — they allocate differently. See how your current split compares to the 20/10 rule: 20% savings, 10% giving, the rest is your lifestyle.
How 20% compounds over time
Money doubles approximately every 10 years at 7% average market returns (the Rule of 72). Enter your numbers and see what consistent saving builds.
10% down vs. 20% down ROI
Real estate is one of the few assets where you can control a $700K asset with 10-20% down. Leverage amplifies your return on invested capital — here's the math.
10% down puts less cash to work, so the same dollar gain produces a higher percentage return on your invested capital — but carries higher monthly payments and PMI. This illustrates leverage; factor in total cost of ownership for full picture.
Eliminate debt faster
Pay minimums on everything, attack highest-rate debt first (avalanche method). Even a small extra monthly payment slashes years off your timeline.
Build equity across every move
Each home you own becomes the down payment for the next. Model your equity snowball across multiple moves and see how real estate compounds over a lifetime.
Let's talk about your
real estate strategy.
The Borges Real Estate Team has helped Los Angeles and SGV families build equity for over 13 years. Schedule a free strategy call and we'll map your path from where you are to where these calculators point.
All calculations are illustrative estimates for educational purposes only and do not constitute financial, tax, legal, or investment advice. Investment returns are not guaranteed. Real estate values fluctuate. Past performance does not predict future results. Always consult a licensed financial advisor, CPA, or real estate professional before making financial decisions.