Demystifying Your Mortgage: A Practical Guide to Amortization with Free Online Tools, by Maximillian Kisarika, aims to demystify the often-complex world of mortgage amortization for the everyday homeowner. Drawing from his personal experience as a homeowner and his professional insights gained from geriatric nursing—where he learned the critical importance of financial health for a fulfilling life—Kisarika provides a clear, actionable roadmap. This guide focuses on leveraging readily available, free online tools to help readers gain a deep understanding of how their mortgage payments are applied over time, how interest accrues, and how principal is paid down. The book is designed for anyone looking to take control of their financial future, offering practical strategies to potentially accelerate debt repayment and maximize financial well-being. This comprehensive resource moves beyond theoretical concepts, emphasizing hands-on application. Readers will learn to navigate various free online amortization calculators, interpret their results, and use this knowledge to make informed decisions about their mortgage. Kisarika’s approach is rooted in a desire to educate and inform, ensuring that readers are not just passive recipients of information but active participants in managing their largest financial commitment. The ultimate goal is to empower individuals with the knowledge and tools to achieve financial freedom sooner, aligning with the author’s belief in living one’s best life unburdened by debt.