Calculator input

3 declared inputs; 3 change drivers.

• principalMinor: increases — A larger principal increases interest linearly.
• annualBasisPoints: increases — A higher rate increases interest linearly.
• months: increases — A longer term increases interest linearly.

Inverse example: A target interest of 120000 at 12% for 12 months implies a principal of 1000000.

Rounding: Integer minor-unit arithmetic with explicit rounding.

Source status: Methodology is implementation evidence, not personal financial advice.

Limitation: Does not include taxes, changing rates, fees or provider-specific eligibility.

4 declared inputs; 4 change drivers.

• initialMinor: increases — A larger opening balance raises the projection.
• monthlyMinor: increases — Larger contributions raise the projection.
• annualBasisPoints: increases — A higher assumed rate raises the projection under this deterministic model.
• months: depends — More months add contributions but also extend exposure to positive or negative rates.

Inverse example: At a zero rate, a 2200000 target after 12 months implies monthly contributions of 100000.

Rounding: Integer minor-unit arithmetic with explicit rounding at each monthly step.

Source status: Methodology is implementation evidence, not personal financial advice.

Limitation: Does not predict market returns, taxes, withdrawal rules or product fees.

3 declared inputs; 3 change drivers.

• principalMinor: increases — A larger principal increases the payment.
• annualBasisPoints: increases — A higher fixed rate increases the payment.
• months: decreases — More repayment periods generally reduce each payment.

Inverse example: At zero interest, 12 payments of 100000 imply principal of 1200000.

Rounding: Integer minor-unit arithmetic with explicit half-up rounding for the payment.

Source status: Methodology is implementation evidence, not personal financial advice.

Limitation: Does not include provider fees, rate changes, insurance, taxes or approval decisions.

2 declared inputs; 2 change drivers.

• monthlyDebtMinor: increases — More debt raises the ratio.
• monthlyIncomeMinor: decreases — More income lowers the ratio when debt is unchanged.

Inverse example: A 30% target ratio on income of 1000000 implies monthly debt of 300000.

Rounding: Basis points are calculated with explicit integer rounding.

Source status: Methodology is implementation evidence, not personal financial advice.

Limitation: A ratio is not a lending decision, affordability decision or credit assessment.

2 declared inputs; 2 change drivers.

• savingsMinor: increases — More liquid savings extends runway.
• monthlyEssentialMinor: decreases — Higher essential spending shortens runway.

Inverse example: Three months of 200000 essential spending implies savings of 600000.

Rounding: Months are truncated to two decimal places with explicit integer rounding.

Source status: Methodology is implementation evidence, not personal financial advice.

Limitation: Does not estimate future income shocks, access restrictions or investment losses.

3 declared inputs; 3 change drivers.

• targetMinor: increases — A larger target increases the required monthly amount.
• currentMinor: decreases — More current savings reduces the required monthly amount.
• months: decreases — More time reduces the required monthly amount.

Inverse example: Saving 100000 for 12 months from zero implies a target of 1200000.

Rounding: Integer minor-unit arithmetic with explicit half-up rounding.

Source status: Methodology is implementation evidence, not personal financial advice.

Limitation: Does not include interest, taxes, variable income or unexpected costs.

4 declared inputs; 4 change drivers.

• initialMinor: increases — A larger opening balance raises the projection.
• monthlyMinor: increases — Larger contributions raise the projection.
• annualBasisPoints: increases — A higher assumed return raises the projection under this model.
• years: depends — More years add contributions but extend exposure to positive or negative assumed returns.

Inverse example: At zero return, a 13000000 ten-year target from 1000000 implies monthly contributions of 100000.

Rounding: Integer minor-unit arithmetic with explicit rounding at each monthly step.

Source status: Methodology is implementation evidence, not personal financial advice.

Limitation: Illustrative only; market performance, losses, fees and taxes can differ materially.

2 declared inputs; 2 change drivers.

• loanMinor: increases — A larger loan raises the ratio.
• assetValueMinor: decreases — A larger asset value lowers the ratio when the loan is unchanged.

Inverse example: An 80% target ratio on an asset value of 1000000 implies a loan of 800000.

Rounding: Basis points are calculated with explicit integer rounding.

Source status: Methodology is implementation evidence, not personal financial advice.

Limitation: A ratio is not a valuation, approval decision or credit assessment.

3 declared inputs; 3 change drivers.

• balanceMinor: increases — A larger balance takes longer to repay.
• monthlyPaymentMinor: decreases — A larger payment shortens payoff time.
• annualBasisPoints: increases — A higher rate generally lengthens payoff time.

Inverse example: At zero interest, paying 100000 per month clears 1000000 in ten months.

Rounding: Integer minor-unit arithmetic with explicit rounding for each month.

Source status: Methodology is implementation evidence, not personal financial advice.

Limitation: Does not include new purchases, rate changes, fees or issuer-specific payment rules.

4 declared inputs; 4 change drivers.

• currentTotalRemainingMinor: increases — A larger current remaining cost raises potential savings.
• replacementPrincipalMinor: decreases — A larger replacement principal lowers savings.
• replacementInterestMinor: decreases — More replacement interest lowers savings.
• feesMinor: decreases — Higher fees lower savings.

Inverse example: Given the other totals, net savings of 1500000 implies fees of 500000.

Rounding: Integer minor-unit arithmetic with no implicit floating-point conversion.

Source status: Methodology is implementation evidence, not personal financial advice.

Limitation: Does not decide whether refinancing is suitable or include all provider terms and taxes.