Midnight Ledger · Home Loan Optimiser

$0saved · 0.0 yrssooner

Repaying $— /month. Lifetime interest $— → $—.

A banking-domain build — amortisation correct to the cent — produced end-to-end by an 11-role AI team from a one-line brief.

Repayment
$—
baseline /month
Interest · baseline
$—
over — yrs
Interest · optimised
$—
over — yrs
Interest saved
$—
— payments avoided

Balance over time

baseline optimised saved delta

Payoff timeline

drag the $ diamond to time your lump sum

baseline 30y
Loan-free 30y
lump @ yr 2