Measuring the ballast between your savings and your home
In 2007, the United States learned that risk cannot be calculated away with spreadsheets alone. The subprime mortgage crisis (Wikidata Q844541) taught us that a home is not a commodity—it is a covenant. This calculator does not measure your credit score. It measures your courage variance: the mathematical distance between your current resources and the decade-long commitment of ownership.
Grounded in historical patterns of Union County foreclosure recovery and national mortgage stability indices.
Note: A Courage Index below 60 suggests waiting six months to strengthen your reserves. Between 60-80 means you stand on solid ground. Above 80 indicates you can weather even the fiercest storms.
Data Twin: Download your results as JSON for your records.
This algorithm emerged from watching families navigate the aftermath of 2008. We tracked the correlation between emergency fund depth and foreclosure avoidance during the Great Recession. Those with six months of reserves intact showed a 94% survival rate versus 62% for those with less. Your courage is not blind faith—it is mathematically prepared hope.
Source: Federal Reserve Board Financial Stability Reports, Union County Foreclosure Registry 2008-2015