Smart Loan Analyzer

Core math (every calculator)

• Monthly payment / EMI, total interest, total repayment, effective rate
• Full month-by-month amortization schedule
• Principal-vs-interest pie chart
• Balance-over-time area chart (balance + cumulative interest)
• Rate-sensitivity table (how your EMI shifts as rates move ±)
• Multi-currency (17+, with ISO-code-safe rendering everywhere)
• Shareable URL — encode your loan as ?p=…&r=…&t=… and send

AI-enhanced insights

• AI Insights accordion — plain-English summary of your loan with a debounced "generating" loading state, plus metric cards (first-payment principal %, amortization crossover, interest per 100 borrowed, total repaid multiplier)
• Smart Scenarios — four one-tap what-ifs (rate −1%, sustainable extra/mo, biweekly hand-off, shorter term) with savings preview and instant apply
• Smart chart annotation — the amortization crossover marked directly on the balance chart
• ? metric explainers — hover any stat for a definition without leaving the page
• AI verdict banners on every tab — same uniform card, debounced loading
• Compare tab: ranks by cost-per-unit-borrowed (fair across loan sizes), explains the trade-off in plain English
• Affordability tab: comfortable-vs-stretch DTI ruling, explains why breathing room matters
• Restructure tab: worth-it / not-worth-it verdict with monthly + lifetime savings and break-even month
• Goal Planner — work backward from "debt-free by year X" to the exact monthly payment

Comparison & decision tools

• Compare tab — up to 3 loan scenarios side by side with EMI / interest / total / per-100 cost
• Affordability checker — income, other debt, down payment → max EMI + max loan + max home price + stretch ceiling
• Loan Restructure analyzer — full refinance modeling with surcharge, fees, capital payment, top-up, break-even month, EMI delta, isWorthIt verdict

Prepayment simulator

• Extra monthly payment OR lump sum (in any month)
• Tailored AI strategy suggestion + one-click apply
• Prepayment-driven views — once you enter an extra payment, the pie chart, balance chart and amortization table all switch to the accelerated schedule with a clear before/after overlay
• Time-saved and interest-saved instantly visible

Specialized calculators

• Biweekly Mortgage Calculator — true 26-payments-a-year simulation, standard-vs-biweekly side-by-side, exact interest saved + new payoff date
• PSLF Calculator — IDR payment (10% of discretionary income), Federal Poverty Guideline by region, projected forgiveness, tax-free amount, transparent "how your payment is derived" card
• Student-Loan Refinance Calculator — keep-federal vs private side-by-side + a prominent "what you permanently forfeit" panel (IDR / PSLF / forgiveness / deferment / discharge)
• Student-Loan Payoff Calculator — focused on the extra-payment mechanic, with the Payoff Simulator opening expanded

Outputs & sharing

• Downloadable PDF summary on every calculator — branded, with the full amortization on the standard ones, glyph-safe across all currencies
• Share button — copy a URL that restores your exact loan
• No login to do any of this

• Buying a home — model 15 vs 30-year, see the amortization crossover month on the balance chart, compare lender offers fairly (even when the principals differ), and check what you can comfortably afford on your income — not what a lender will stretch you to.
• Paying off a loan faster — the new Goal Planner works backward from "debt-free by 2035" to the exact monthly payment that gets you there. Smart Scenarios suggests a realistic extra payment and shows the interest saved before you commit.
• Refinancing — drop in your current loan, the new offer and any fees; the AI verdict tells you whether it pays off, the break-even month, and what would tip a "not worth it" call.
• Walking into a bank — download a clean, branded PDF summary with the full month-by-month amortization table to take with you. Currency-code formatting renders perfectly across ₹/€/₽ — no font surprises.
• Student loans — dedicated PSLF estimator, federal-vs-private refinance with the protections you'd forfeit, and a payoff accelerator. (Niche, but the cluster has 3,500+ words of guides on each.)