🏠Mortgage Calculator
Built with Python. Powered by logic. Designed for real-world decisions.
⚡ TL;DR
This isn’t your bank’s calculator.
It’s a high-powered, real-world mortgage tool that lets you:
✅ Slash years off your loan
✅ Model redraws, fees, and interest rate shocks
✅ Compare strategies side-by-side
✅ Download the data – no fluff, no guesswork
All built with Python + Streamlit.
All live. All free.
⚔️ Why I Built It
Let’s be real.
Most mortgage calculators are either:
🦴 Bare-bones relics
🧠 Overly complex spreadsheets
🪤 Lead traps for lenders
I wanted something better.
So I built a calculator that actually thinks like a real borrower – not a bank robot.
🔧 Features That Actually Help
| 💡 Feature | 💥 Why It Matters |
|---|---|
| Extra Repayments | Shave years off your loan without lifting heavy 💰 |
| Redraw Balances | Model flexibility in real-life situations |
| Rate-Rise Stress Tests | See if your plan survives the bank’s next surprise 🔥 |
| Scenario Battles | Compare 2+ plans side-by-side – no guesswork |
| Interactive Charts | Get clarity in real time – no spreadsheets required |
| Download Results | Take it with you, share with advisors, or brag to your bank |
🛠️ From Python to Powerhouse
It started as a dusty little console app.
Now it’s a full-blown financial weapon built with:
Python • Streamlit • Pandas • Plotly • openpyxl
📈 What started as a “can I build this?”
became
“Why doesn’t this exist already?”
🌍 Built to Be Used
Not Just Shown Off
You don’t need to install anything.
You don’t need to sign up.
You just click – and go.
▶️ Launch the app.
👀 Watch the charts respond.
📊 Download the results.
💥 Decide with confidence.
🔗 Try It Now
“Your mortgage has met its match.”
🔮 What’s Next
I’m not stopping at graphs and sliders.
I’m building the future of mortgage advice – and it talks back
🤖 Introducing: HomePay AI
Your digital mortgage coach.
No jargon. No sales pitch. Just real answers, powered by AI.
Built on top of my calculator, HomePay AI uses GPT-style intelligence to turn your raw numbers and budget spreadsheets into clear, strategic advice.
💬 Ask it things like:
“How much faster could I repay if I add $100/week?”
“Should I switch to fortnightly repayments?”
“What’s the breakeven point for refinancing?”
It reads your budget.
It checks your loan.
Then it gives you plain-English advice – no bank lingo, no upsells.
💡 Why It Matters
Because mortgage stress is real.
And most people aren’t financial analysts.
HomePay AI turns confusing data into confident decisions.
It’s like having a mortgage coach in your pocket
Except it doesn’t charge 2% interest or sell you insurance.
🛠️ Under the Hood
This project showcases:
📐 UX that makes “serious” software feel effortless
🧠 Applied AI using LLMs (like GPT)
📄 Custom budget upload & parsing (Excel + Pandas)
🧾 Real-time response generation
🏗️ Intelligent prompts for complex financial logic
🚀 What This Shows Employers
I can design and deploy end-to-end tools
I use AI for real-world problem solving
I translate complex logic into user-friendly products
I understand how to build trustworthy experiences with sensitive data
🔗 HomePay AI Coming Soon
“What if your mortgage tool actually told you what to do next?”
Until then…
Disclaimer: These apps do not provide financial advice.
These tools (HomePay AI & Mortgage Calculator) are for informational and educational use only.
For personalised mortgage advice, please consult a licensed financial adviser.