Калькулятор ипотеки и досрочных платежей (Android/ПК, работает офлайн)

Калькулятор ипотеки и досрочных платежей (Android/ПК, работает офлайн)

📦 FORMAT · VERSION · GUARANTEE — quick overview before buying
• Contents: ZIP: single HTML file + GUIDE.pdf + README
• Version: September 2026
• Requirements: Any browser, no installation, works offline
• Delivery: automatic, by e-mail right after payment
• ⟶ Mortgage & loan calculator PRO: annuity, differentiated, deductions — plati.market/itm/6175694
Guarantee: the product matches its description. If anything is wrong — write a personal message, we´ll sort it out or refund you.
• Terms: for personal use; resale is prohibited.

WHAT YOUR MORTGAGE REALLY COSTS — AND WHAT EARLY PAYOFF SAVES

Enter the flat price, down payment, rate and term — the calculator shows the annuity payment (the same formula banks use), the full interest cost and a year-by-year schedule. The centerpiece: early-payoff scenarios with exact savings in rubles and months.

EXAMPLE FROM THE SCREENSHOT (real computation):
• 6,400,000 ₽ at 16% for 20 years → 89,040 ₽/mo payment, 14,970,000 ₽ total interest
• Extra 15,000 ₽/mo from month 13 → interest drops to 7,883,000 ₽
• YOU SAVE: 7,087,000 ₽ and 100 months (8 years 4 months) of the term
• A one-time 180,000 ₽ payoff in month 13 saves another 2,744,000 ₽

WHAT´S INSIDE (a single index.html file):
• Annuity payment — P·i/(1−(1+i)^−n), the bank formula
• Totals: monthly payment · total interest · total paid
• Yearly stack chart: remaining debt, accrued interest, paid principal
• Early-payoff scenarios: monthly extra from any month OR a lump-sum payoff
• Year table with a paid-off badge on the final year
• Monthly schedule CSV export (Excel)
• Dark and light themes, parameters persist between runs

FOR WHOM:
• Choosing a mortgage: compare banks and rates in a minute
• Already paying: see what +10–20k/mo early payments actually save
• Arguing with the bank about interest: an independent calc with the same formula

HOW TO START:
1. Pay — the file is delivered automatically
2. Open index.html in Chrome (PC or phone)
3. Done. Works offline; on phones — "Add to Home screen"

VERIFIED BEFORE SALE:
• 36 math selftests — all green (annuity matches the closed form, principal sums match, balance strictly decreases)
• Live browser test: 0% rate → 6,400,000/240 = 26,667 ₽ — exact to the kopeck
• Screenshots are from the real working app

Guarantee: replacement or refund. The file is delivered automatically right after payment.