Problem
A lower rate is not necessarily cheaper once term length, incentives, fees, and upfront payments are considered together.
05 / Web / Finance
Different loan terms. One number you can actually compare.
APR alone can be a poor mental model when offers differ in term, incentives, upfront costs, or other conditions. This tool normalizes those differences into comparable scenarios.
Budget-first
Shareable scenarios
English and Russian
See it in action
Put real offers side by side without losing the budget baseline.
What it does
Financing comparison based on actual out-of-pocket cost.
Model
Each offer is reduced to the same cash-flow view so alternatives can be compared on actual out-of-pocket cost rather than headline terms.
Built with
Financial modeling, side-by-side scenario comparison, and shareable setups encoded in the URL.
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