Loans & Debt

Plan payments, compare payoff strategies, and understand borrowing capacity. Model APR, fees, consolidation, and student or credit card debt with clear amortization.

Simple Loan Calculator

Payment, interest, and term at a glance.

Amortization Schedule

Full principal/interest table with extras.

Loan Payoff

Accelerate payoff and quantify savings.

DTI Ratio

Check underwriting readiness.

Personal Loan

APR, fees, and net proceeds.

APR Calculator

True annualized cost including fees.

Debt Consolidation

Compare blended rates vs. new loan.

Student Loan

Standard & IDR scenarios.

Credit Card Payoff

Snowball vs. avalanche projections.
Audit: Complete
Formula (LaTeX) + variables + units
This section shows the formulas used by the calculator engine, plus variable definitions and units.
Formula (extracted LaTeX)
\[','\]
','
Variables and units
  • P = principal (loan amount) (currency)
  • r = periodic interest rate (annual rate ÷ payments per year) (1)
  • n = total number of payments (years × payments per year) (count)
  • M = periodic payment for principal + interest (currency)
Sources (authoritative):
Changelog
Version: 0.1.0-draft
Last code update: 2026-01-19
0.1.0-draft · 2026-01-19
  • Initial audit spec draft generated from HTML extraction (review required).
  • Verify formulas match the calculator engine and convert any text-only formulas to LaTeX.
  • Confirm sources are authoritative and relevant to the calculator methodology.
Verified by Ugo Candido on 2026-01-19
Profile · LinkedIn
, ', svg: { fontCache: 'global' } };

Loans & Debt

Plan payments, compare payoff strategies, and understand borrowing capacity. Model APR, fees, consolidation, and student or credit card debt with clear amortization.

Simple Loan Calculator

Payment, interest, and term at a glance.

Amortization Schedule

Full principal/interest table with extras.

Loan Payoff

Accelerate payoff and quantify savings.

DTI Ratio

Check underwriting readiness.

Personal Loan

APR, fees, and net proceeds.

APR Calculator

True annualized cost including fees.

Debt Consolidation

Compare blended rates vs. new loan.

Student Loan

Standard & IDR scenarios.

Credit Card Payoff

Snowball vs. avalanche projections.
Audit: Complete
Formula (LaTeX) + variables + units
This section shows the formulas used by the calculator engine, plus variable definitions and units.
Formula (extracted LaTeX)
\[','\]
','
Variables and units
  • P = principal (loan amount) (currency)
  • r = periodic interest rate (annual rate ÷ payments per year) (1)
  • n = total number of payments (years × payments per year) (count)
  • M = periodic payment for principal + interest (currency)
Sources (authoritative):
Changelog
Version: 0.1.0-draft
Last code update: 2026-01-19
0.1.0-draft · 2026-01-19
  • Initial audit spec draft generated from HTML extraction (review required).
  • Verify formulas match the calculator engine and convert any text-only formulas to LaTeX.
  • Confirm sources are authoritative and relevant to the calculator methodology.
Verified by Ugo Candido on 2026-01-19
Profile · LinkedIn
]], displayMath: [['\\[','\\]']] }, svg: { fontCache: 'global' } };, svg: { fontCache: 'global' } };

Loans & Debt

Plan payments, compare payoff strategies, and understand borrowing capacity. Model APR, fees, consolidation, and student or credit card debt with clear amortization.

Simple Loan Calculator

Payment, interest, and term at a glance.

Amortization Schedule

Full principal/interest table with extras.

Loan Payoff

Accelerate payoff and quantify savings.

DTI Ratio

Check underwriting readiness.

Personal Loan

APR, fees, and net proceeds.

APR Calculator

True annualized cost including fees.

Debt Consolidation

Compare blended rates vs. new loan.

Student Loan

Standard & IDR scenarios.

Credit Card Payoff

Snowball vs. avalanche projections.
Audit: Complete
Formula (LaTeX) + variables + units
This section shows the formulas used by the calculator engine, plus variable definitions and units.
Formula (extracted LaTeX)
\[','\]
','
Variables and units
  • P = principal (loan amount) (currency)
  • r = periodic interest rate (annual rate ÷ payments per year) (1)
  • n = total number of payments (years × payments per year) (count)
  • M = periodic payment for principal + interest (currency)
Sources (authoritative):
Changelog
Version: 0.1.0-draft
Last code update: 2026-01-19
0.1.0-draft · 2026-01-19
  • Initial audit spec draft generated from HTML extraction (review required).
  • Verify formulas match the calculator engine and convert any text-only formulas to LaTeX.
  • Confirm sources are authoritative and relevant to the calculator methodology.
Verified by Ugo Candido on 2026-01-19
Profile · LinkedIn