Mortgage & loan calculator PRO: annuity + differentiated, insurance, tax deductio

Name: Mortgage & loan calculator PRO: annuity + differentiated, insurance, tax deductio
SKU: 6175694
Price: 7.32 USD
Availability: InStock

Seller: SirBob

Price: 7.32 USD

Available. The final price depends on the selected options and is checked before payment.

Product description

HOW MUCH YOUR MORTGAGE REALLY COSTS — AND HOW MUCH THE TAX OFFICE GIVES BACK

PRO version of the mortgage calculator: two payment types, insurance, tax

deductions and site embedding. One HTML file, works fully offline.

EXAMPLE FROM THE SCREENSHOT (a real calculation by the program):

Mortgage 6 400 000 ₽, 16% over 20 years
Annuity: 89 040 ₽/mo, total interest 14 970 000 ₽
Differentiated: 112 000 ₽ first payment → 27 022 ₽ last,

total interest 10 283 000 ₽ — 4 687 000 ₽ cheaper than the annuity

Early payments +15 000 ₽/mo from month 13 → saves 7 087 000 ₽

and 8 years 4 months of the term

Insurance at 0.7%/yr on the balance — 630 000 ₽ over the whole term
Tax deductions: 260 000 ₽ property + 390 000 ₽ on interest

= 650 000 ₽ you can claim back

WHAT'S INSIDE (a single index.html file):

Annuity AND differentiated payments — switch with one click
Totals: payment (or first → last for differentiated) · interest · total paid
Year-by-year schedule: payments, interest, principal, balance
Stack chart: remaining balance, accumulated interest, principal paid
Early-payment scenarios: a monthly top-up from any month + a lump sum
Insurance on the outstanding balance — the total over the whole term
Tax deductions: 13% of principal (2 000 000 ₽ cap) + 13% of interest

(3 000 000 ₽ cap)

Print / save to PDF — a clean print version without the UI
Export the monthly schedule to CSV (Excel)
Site embedding: ready-to-paste iframe code + an iframe.html file
Dark and light themes, settings persist between runs

WHO IT'S FOR:

Mortgage broker, realtor, financial adviser — a client calculation in a

minute, and you can embed the calculator on your own site

Web developer — white-label embedding in one iframe, no server needed
Choosing a mortgage: compare annuity vs differentiated, banks and rates
Already paying: see what a +10–20k/mo top-up actually saves

HOW TO START:

Pay — the file arrives automatically
Open index.html in Chrome (desktop or phone)
That's it. Works offline; on a phone, "Add to home screen"

VERIFIED BEFORE SALE:

63 automated math tests, all green (annuity matches the closed-form formula,

principal sums to the loan, balance decreases strictly, deductions respect

the caps)

Screenshots are from the real, working program

FORMAT: ZIP 17 KB, 3 files — index.html (the whole calculator), README.md, selftest.js.

REQUIREMENTS: any modern browser (Chrome, Edge, Firefox). Works fully offline.

INPUT-OUTPUT: "6,400,000 at 16% over 20 years" -> annuity 89 040 RUB/mo ·

differentiated 112 000 -> 27 022 RUB, deductions 650 000 RUB

LICENSE: personal use; resale forbidden.

VERIFICATION: node selftest.js -> 63 passed, 0 failed.