Credit
Mortgage Stress Test
What if interest rates rise? See how your monthly payment changes across 6 rate scenarios and check your debt-to-income ratio.
🇺🇸 United States
$350,000
Current Rate (Reference + Spread): 6.50%
Safe: < 28%
Caution: 28–36%
High Risk: > 36%
Stress Test Results
| Scenario | Monthly Payment | Change vs Current | |
|---|---|---|---|
Current Rateactual 6.50% | $2,212 /mês | — | 31.6% Caution |
+1pp 7.50% | $2,447 /mês | +$235 +10.6% | 35.0% Caution |
+2pp 8.50% | $2,691 /mês | +$479 +21.7% | 38.4% High Risk |
+3pp 9.50% | $2,943 /mês | +$731 +33.0% | 42.0% High Risk |
+4pp 10.50% | $3,202 /mês | +$989 +44.7% | 45.7% High Risk |
+5pp 11.50% | $3,466 /mês | +$1,254 +56.7% | 49.5% High Risk |
9.5% ★ 9.50% | $2,943 /mês | +$731 +33.0% | 42.0% High Risk |
Monthly Payment by Rate Scenario
Linhas tracejadas: limites de taxa de esforço (28% e 36%)
Additional interest over remaining term
+1pp — 7.50%
$235/mês extra
+$84,605
ao longo de 30 anos
+2pp — 8.50%
$479/mês extra
+$172,425
ao longo de 30 anos
+3pp — 9.50%
$731/mês extra
+$263,071
ao longo de 30 anos
+4pp — 10.50%
$989/mês extra
+$356,166
ao longo de 30 anos
+5pp — 11.50%
$1,254/mês extra
+$451,361
ao longo de 30 anos
9.5% ★ — 9.50%
$731/mês extra
+$263,071
ao longo de 30 anos
How It Works
Enter your data
Loan balance, current rate (reference + spread), remaining term, and income.
View scenarios
The calculator shows the payment for +0pp to +5pp rate increases, plus a custom scenario.
Assess the risk
The effort ratio traffic light shows whether your mortgage is sustainable in each scenario.
Frequently Asked Questions
What is a mortgage stress test?
A stress test simulates how your mortgage payment would change if interest rates rise. It helps you understand whether you could still afford your home if rates increase by 1%, 2%, or more.
What is the effort ratio?
The effort ratio (or debt-to-income ratio) is your monthly mortgage payment divided by your net monthly income. Most regulators and banks consider above 30–35% to be a warning sign, and above 40% to be high risk.
What is the Euribor?
The Euro Interbank Offered Rate (Euribor) is the benchmark interest rate for variable-rate mortgages in the Eurozone. Most Portuguese, Spanish, and French variable mortgages are indexed to Euribor 6M or 12M plus a bank spread.
How is the monthly payment calculated?
Using the standard annuity formula: PMT = P × [r(1+r)^n] / [(1+r)^n - 1], where P is the loan balance, r is the monthly rate (annual rate ÷ 12), and n is the number of remaining months.