$ ./finance_explorer --interactive

AI Finance Explorer

Enter your numbers — the engine finds your best move.

💳 Debt Payoff

🎯 Savings Goals

🏠 Mortgage

YOUR DEBTS

Debt name

Balance ($)

APR (%)

Min payment ($)

Debt name

Balance ($)

APR (%)

Min payment ($)

Debt name

Balance ($)

APR (%)

Min payment ($)

YOUR SITUATION

Monthly take-home ($)

Monthly fixed expenses ($)

Strategy

CURRENT TRAJECTORY

—

months to debt-free

🎯 WHAT IF I WANT TO FINISH IN...

AVALANCHE

—

total interest · — mo

SNOWBALL

—

total interest · — mo

Debt paid off so far 0%

🏃

Enter your debts and run the engine to see your progress

THE MOVES THAT CHANGE EVERYTHING

WHAT IF I ADDED $___ EXTRA PER MONTH?

+$50/month

—

months saved

—

interest saved

—

new payoff

YOUR SAVINGS JARS

Goal name

Emoji

Target ($)

Starting balance ($)

PICK YOUR CHARACTER

🏦

🧗

—

SAVED

—

REMAINING

—

TARGET

—

QUICK DEPOSIT

CUSTOM DEPOSIT

CHALLENGE TOTALS — THIS JAR

🪙 SPARE CHANGE

💵 $5 BILLS

📅 52-WEEK

TRANSACTION HISTORY

LOAN DETAILS

Home price ($)

Down payment ($)

Down payment %% of home price

Interest rate (%)

Term

ADDITIONAL MONTHLY COSTS

HOA fees ($)

Utilities estimate ($)

Property tax/month ($)

Insurance/month ($)

PAYMENT STRATEGIES — pick one or combine

Extra principal/month ($)

Payment frequency

Extra payments per year

MONTHLY PAYMENT BREAKDOWN

—

principal + interest only

TRUE MONTHLY COST

—

TOTAL INTEREST

—

PAYOFF DATE

—

YOUR HOME EQUITY — VISUAL

equity

🏃

DOWN PAYMENT

—

— of home price

LOAN AMOUNT

—

PMI REQUIRED?

—

20% down avoids PMI

The house fills as your equity grows — every extra payment pushes it higher 🏠

PICK YOUR CHARACTER

MORTGAGE PAYMENT TRACKER

Log each actual payment — the house fills based on real equity paid, not just projections.

REAL EQUITY

—

BALANCE OWED

PAYMENTS MADE

0 mo

AHEAD OF SCHEDULE

QUICK LOG

CUSTOM PAYMENT

PAYMENT HISTORY

YEAR 1 PAYMENT BREAKDOWN — P vs I

Early in your mortgage, most of your payment goes to interest, not the actual loan. The green bar shows how much reduces your balance. This shifts dramatically over time — by year 20+, most goes to principal.

PAYMENT STRATEGY COMPARISON

EXTRA PAYMENT IMPACT

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YEAR-BY-YEAR BALANCE COMPARISON

🟢 Mint = balance with extra payments | 🔴 Coral = standard balance | 🟡 Gold = cumulative interest saved