🧮 Smarter Loan - Mortgage Calculator

This mortgage calculator is a comprehensive tool designed to help you understand and plan your mortgage payments with precision and clarity.

Our goal is to provide you with accurate calculations and insights to make informed decisions about your mortgage financing.

Key Features

• Precise mortgage payment calculations with customizable parameters
• Detailed amortization schedule showing principal and interest breakdown
• Scenario comparison to evaluate different mortgage options
• Overpayment analysis to see potential savings
• Data export capabilities for further analysis

How to Use

1. Enter your loan details including amount, interest rate, and term
2. Review the calculated monthly payment and total interest
3. Explore the amortization schedule to see payment breakdown over time
4. Try different scenarios or overpayment options to optimize your mortgage

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Smarter Loan Project Overview

Original Post

Recently, I spent a lot of time on “vibe coding”—using AI agents to create software. I’d like to share a project I worked on: www.smarter-loan.com.

Project assumptions:

• Minimal self-coding: Less than 5% of the code was written by me (even the content is mostly AI-generated!).
• Diverse tools 🛠️: I learned that different models excel at different tasks:
  • Replit: UI
  • Roo Code with Claude: architectural and mathematical aspects
  • Gemini: “grunt work”
• Reasonable level of difficulty: A project that would normally require serious thought about architecture and business domain. The project involves a lot of math, and I’ll note upfront—if you know someone in the financial industry, I’d love to verify my data with more powerful banking models! I’d appreciate sharing this post.
• Real value: Loan calculators can save people a lot of money.

What does the calculator offer? 📊

• Detailed amortization schedule with breakdowns of principal and interest payments
• Overpayment simulations with testing of various strategies
• Data export to spreadsheets
• Side-by-side comparison of loan scenarios
• Clear, intuitive interface ⚠️ Note: The app is still in beta, so bugs may occur. I’d love to receive any feedback—every comment will help improve the tool!

Time and costs 💰 Project: one week of work + ~$60 for AI agents. Traditionally? About 50x higher cost!

Do agents replace programmers? Yes and no 😊 It’s definitely worth spending time deeply thinking—alone or with an agent—about what we actually want to achieve and preparing at least a draft architecture beforehand. Creation → easy Refactoring → hard At the current stage, a technical person is needed, but with good requirements and feedback, agents will be able to write such a calculator in a few hours. When? Sooner than people think.

What’s next? 🔮 I’ll continue developing the project, but I also have other parallel projects. Would you like to help or learn more? Write to me! Or maybe you have an idea to implement but lack experience or are hesitant to work with AI agents? Write to me as well! I’d be happy to share my experience and support.

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