A globally usable mortgage and loan calculator supporting multiple currencies. Covers monthly repayments, full amortisation schedules, affordability reverse-calculation, early repayment savings, side-by-side comparison, total cost of ownership, APR, debt-to-income ratio, stamp duty estimates, refinance break-even, balloon payments, interest-only periods, loan consolidation, and biweekly payment options. Pure maths — no external data sources. Pass any currency code (USD, GBP, EUR, ZAR, AUD, etc.) for localised display.
