System status & transparency
A live view of the services behind our calculators, how our numbers are produced, and what we do with your data. We are an education platform — we do not originate loans.
Checking systems…
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How our numbers work
Amortization & day-count
Daily interest accrual on the HELOC balance and standard monthly amortization on the mortgage, using the rates and terms you enter. The compoundingMethod setting controls the day-count convention: daily/365 uses a 365-day year, while daily/360 uses a 360-day year. This convention is applied consistently across the schedule, the daily walkers, and the impact preview so the same inputs always produce the same interest figures.
Savings comparison
Every result is measured against a traditional-mortgage baseline built from your original loan amount, rate, and term — the same inputs, no strategy applied.
Rates and defaults
Starting values come from published prime, fed funds, and average HELOC/mortgage rates, refreshed periodically. Your own inputs always override them.
What we do not do
We do not sell loans, guarantee outcomes, or pull your credit. Projections are estimates and depend on your assumptions holding true.
Your data
- Your models, transactions, and uploaded documents are visible only to you and anyone you explicitly share with.
- You can download a complete copy of your data at any time from Settings → Privacy & your data.
- You can delete your account and all associated records yourself — no support ticket required.
- We never sell your personal information. Lender contact only happens when you request it.