🏦 Show What a Loan Really Costs

People only look at the monthly payment and ignore what borrowing actually costs. Build me a loan repayment calculator. Take the amount borrowed, the interest rate, the term in years and any arrangement fee, and show the monthly repayment, the total repaid, the total interest, and the total cost including the fee. Produce a repayment schedule showing how much of each payment is capital and how much is interest. Add an overpayment section where someone enters a monthly overpayment and sees how many months it removes from the term and how much interest it saves. Let two offers be compared side by side on total cost rather than on monthly payment. Add an AI agent that explains the difference between the two offers in plain language and names which is cheaper overall and by how much. Automate emailing a saved comparison to the visitor. Put a clear notice on the page that this is a guide and not financial advice or a quotation. Two logins: a visitor who sees only their own saved calculations, and an owner who sets defaults.