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. I built this tool to normalize those differences into comparable scenarios.
Offer AAPR · term · fees · upfront
Offer BAPR · term · fees · upfront
Normalized asActual 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.
Shareable browser state
The current app encodes language, max-card count, and scenario values into the URL so a comparison setup can be copied and reopened elsewhere.
Two-language interface
Built-in English and Russian copy helps keep the calculator accessible to people who want to compare offers in the language they think through money with.
Practical result breakdowns
Scenario cards expose financed amount, monthly payment, total paid, interest paid, taxes, and overall spend so tradeoffs stay visible.
Built for clarity
It turns “can I still afford this if the deal changes?” into something you can see instead of mentally juggle.
That is especially useful when multiple lenders, fees, and term lengths are all trying to shift your attention away from the total number that matters most.