Loan reality, before you sign
Save Yourself
See what reaches you, what leaves you and what the money costs.
Example numbersFlat rate quotes interest on the full principal for the whole term — the effective cost is usually higher than the headline rate.
Add income, extra payments and alternatives
Affordability
Repayment strategy
Opportunity comparison
Borrowing context
More recommendations
You borrow —.
You return —.
— is the rent on the money.
Reality receipt
Cash path
Where the money moves
Moment A is what reaches you. Moment B is what leaves you over the life of the loan.
Schedule
Repayment over time
Each bar is a payment. Interest sits on top early; principal takes over later on reducing-balance loans.
Signals
Cost and cash-flow pressure
A continuous reading of annual cost, plus how the payment sits against income when you share it.
Cost signal
—
Cash-flow pressure
Add income to see how this payment sits after existing obligations.
Alternatives
What changes the total
Lead with outcomes — a better offer, saving first, or paying a little extra.
Better offer
—
Save first
—
Pay extra
—
Before you sign
Decision board
Four checks first. Optional depth and red flags sit behind disclosure. The choice remains yours.
Optional deeper checks
Red flags
Selecting any flag stops the decision board.
Complete the checks before you decide.
Escape routes and lender ladder
If you must borrow
Indicative ranges only — confirm the written offer.
| Lender | Typical APR | Use only if |
|---|
If you do borrow — write a commitment
Detail
Assumptions, schedule and export
Amortization loads when you open it. Methodology stays visible under disclosure.
Amortization schedule
| Month | Payment | Principal | Interest | Balance |
|---|
Assumptions and methodology
Enter loan details to see the formula note.
- Reducing-balance EMI uses the standard annuity formula on the financed principal.
- Flat rate charges interest on the original amount for the full term.
- Estimated annual cost is a cash-flow IRR annualised from net proceeds and scheduled payments.
- Fee treatment changes net proceeds and/or financed principal; it does not invent lender rounding.
- Opportunity figures are illustrations at the rate you set — not a forecast.
This is an educational Financial X-Ray, not financial advice. Figures are estimates from the inputs you provide and cannot capture every fee, tax, variable-rate change, or lender rounding. Always confirm exact terms with the lender.
Built for clarity, not pressure. The choice remains yours.
No account. No tracking. Calculated on this device.