Mortgage & loan calculator PRO: annuity + differentiated, insurance, tax deductio

Mortgage & loan calculator PRO: annuity + differentiated, insurance, tax deductio

HOW MUCH YOUR MORTGAGE REALLY COSTS — AND HOW MUCH THE TAX OFFICE GIVES BACK

PRO version of the mortgage calculator: two payment types, insurance, tax
deductions and site embedding. One HTML file, works fully offline.

EXAMPLE FROM THE SCREENSHOT (a real calculation by the program):
• Mortgage 6 400 000 ₽, 16% over 20 years
• Annuity: 89 040 ₽/mo, total interest 14 970 000 ₽
• Differentiated: 112 000 ₽ first payment → 27 022 ₽ last,
total interest 10 283 000 ₽ — 4 687 000 ₽ cheaper than the annuity
• Early payments +15 000 ₽/mo from month 13 → saves 7 087 000 ₽
and 8 years 4 months of the term
• Insurance at 0.7%/yr on the balance — 630 000 ₽ over the whole term
• Tax deductions: 260 000 ₽ property + 390 000 ₽ on interest
= 650 000 ₽ you can claim back

WHAT´S INSIDE (a single index.html file):
• Annuity AND differentiated payments — switch with one click
• Totals: payment (or first → last for differentiated) · interest · total paid
• Year-by-year schedule: payments, interest, principal, balance
• Stack chart: remaining balance, accumulated interest, principal paid
• Early-payment scenarios: a monthly top-up from any month + a lump sum
• Insurance on the outstanding balance — the total over the whole term
• Tax deductions: 13% of principal (2 000 000 ₽ cap) + 13% of interest
(3 000 000 ₽ cap)
• Print / save to PDF — a clean print version without the UI
• Export the monthly schedule to CSV (Excel)
• Site embedding: ready-to-paste iframe code + an iframe.html file
• Dark and light themes, settings persist between runs

WHO IT´S FOR:
• Mortgage broker, realtor, financial adviser — a client calculation in a
minute, and you can embed the calculator on your own site
• Web developer — white-label embedding in one iframe, no server needed
• Choosing a mortgage: compare annuity vs differentiated, banks and rates
• Already paying: see what a +10–20k/mo top-up actually saves

HOW TO START:
1. Pay — the file arrives automatically
2. Open index.html in Chrome (desktop or phone)
3. That´s it. Works offline; on a phone, "Add to home screen"

VERIFIED BEFORE SALE:
• 63 automated math tests, all green (annuity matches the closed-form formula,
principal sums to the loan, balance decreases strictly, deductions respect
the caps)
• Screenshots are from the real, working program

FORMAT: ZIP 17 KB, 3 files — index.html (the whole calculator), README.md, selftest.js.
REQUIREMENTS: any modern browser (Chrome, Edge, Firefox). Works fully offline.
INPUT-OUTPUT: "6,400,000 at 16% over 20 years" -> annuity 89 040 RUB/mo ·
differentiated 112 000 -> 27 022 RUB, deductions 650 000 RUB
LICENSE: personal use; resale forbidden.
VERIFICATION: node selftest.js -> 63 passed, 0 failed.

MORE FROM THE SHOP:
⟶ Kanban board PRO: tasks and projects offline — plati.market/itm/6182288
⟶ Mortgage & early-payoff calculator (Android/PC, offline) — plati.market/itm/6111617
⟶ Vacation-pay calculator 2026: income tax and tenure — plati.market/itm/6154029
⟶ Sick-leave calculator: tenure, minimum wage — plati.market/itm/6154923
⟶ Maternity-leave benefits calculator 2026 — plati.market/itm/6155115
⟶ Penalties & default-interest calculator (key rate) — plati.market/itm/6155212
⟶ 12-month cash-flow forecast with scenarios — plati.market/itm/6124128

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