A web app that lets users enter loan terms, payoff amounts, market values, rates, penalties, income constraints, and alternative offers, then models side-by-side outcomes. It produces plain-language recommendations, break-even points, cash-flow impact, total interest cost, and risk flags for scenarios like refinancing, selling a vehicle, extending a mortgage term, borrowing against retirement funds, or hiring an appraiser.

Higher interest rates and tighter household budgets have made refinancing, renewal, and debt-exit decisions more urgent. Consumers are increasingly seeking online second opinions before committing to lender, dealer, or insurer advice.