I've never seen this mentioned and I'm not sure what to enter in retirement modelling software/websites. When figuring out monthly/yearly spending, do I include mortgage principal and interest, or just interest? It seems like I shouldn't include principal since that would just be moving money from one bucket to another and it is only the interest that truly matters. Of course, that means I have to breakdown the interest payments by year, which is a little annoying, but easy enough.