Introduction Have you ever stared at a bank's home loan sheet and wondered how exactly they arrived at those numbers? That was me a few months ago. I was exploring real estate options, and every bank had its own proprietary calculator. I wanted to see the raw numbers, understand the reducing balance method, and visualize the long-term impact of a loan without navigating through heavy, ad-ridden financial portals or providing my email address to a lead-generation form. So, I did what developers usually do when faced with a minor inconvenience: I decided to build my own solution. Why I Built It As a developer, I value transparency and control over my data. When dealing with something as significant as a mortgage, I want to see exactly how much of my monthly payment goes to interest versus the principal sum. Existing calculators often obscure the full amortization schedule or make it difficult to visualize the shift in the interest-to-principal ratio over time.…