.codex-plugin/plugin.json

{
  "name": "loan-planner",
  "version": "1.0.0",
  "description": "Mortgage and loan payments, amortization schedules, extra-payment savings and loan comparisons.",
  "author": {
    "name": "Zovo",
    "email": "support@zovo.one",
    "url": "https://zovo.one"
  },
  "homepage": "https://loan-planner.zovo.one",
  "license": "Proprietary",
  "keywords": [
    "mortgage calculator",
    "loan calculator",
    "amortization calculator",
    "amortization schedule",
    "extra payments",
    "PITI",
    "PMI",
    "refinance",
    "15 vs 30 year",
    "CSV"
  ],
  "skills": "./skills/",
  "mcpServers": "./.mcp.json",
  "interface": {
    "displayName": "Amortiza Loan Planner",
    "shortDescription": "Mortgage & loan schedules",
    "longDescription": "A mortgage calculator, loan calculator and amortization calculator that works inside the chat. Give a loan amount (or a home value and down payment), an interest rate and a term, and Amortiza Loan Planner returns the exact payment to the cent, total interest, the payoff date and a full amortization schedule you can download as a CSV.\n\nPlan paying off early: add a recurring extra payment or one-time lump sums and see the interest saved and how many months sooner the loan is paid off. Switch to biweekly or weekly payments, including accelerated biweekly.\n\nSee the whole monthly housing payment (PITI): principal and interest, property tax, homeowners insurance, HOA dues and PMI. PMI is charged only while the loan is above 80% of the home value and drops off once the balance reaches 78%, with the dates shown.\n\nCompare 2 to 4 loans side by side, such as a 15-year vs a 30-year mortgage, different rates, or paying points to lower the rate. Each option shows the payment, total interest, upfront costs, total cost and the break-even month for points or fees.\n\nThe interactive view has rate, term and extra-payment sliders, a balance and interest chart, a yearly table and a CSV download.\n\nResults are deterministic calculations from the numbers you give, the last payment is adjusted so the balance ends at exactly zero, and 0% loans are handled. No personal information is needed.\n\nLimitations: fixed-rate loans only (no adjustable-rate resets, interest-only or balloon loans); it does not look up current rates, taxes or insurance quotes; results are informational and are not financial advice.",
    "developerName": "Zovo",
    "category": "Finance",
    "capabilities": [
      "Interactive",
      "Read"
    ],
    "websiteURL": "https://loan-planner.zovo.one",
    "supportURL": "https://loan-planner.zovo.one/support",
    "privacyPolicyURL": "https://loan-planner.zovo.one/privacy",
    "termsOfServiceURL": "https://loan-planner.zovo.one/terms",
    "defaultPrompt": [
      "Show the amortization schedule for a $350,000 mortgage at 6.5% over 30 years",
      "How much do I save paying an extra $200 a month on a $350,000 mortgage at 6.5% for 30 years?",
      "Compare a $280,000 loan: 30 years at 6.5% vs 15 years at 5.75%. Show payments and total interest"
    ],
    "brandColor": "#1F66C1",
    "brandColorDark": "#6AA5F0",
    "composerIcon": "./assets/icon.svg",
    "logo": "./assets/logo.png"
  },
  "extensions": {
    "com.openai": {
      "onboardingSkill": "./skills/loan-planner/SKILL.md",
      "review": {
        "test_cases": {
          "positive": [
            {
              "description": "Basic mortgage amortization schedule",
              "prompt": "Show the amortization schedule for a $350,000 mortgage at 6.5% over 30 years",
              "tools_triggered": "calculate_loan",
              "expected_behavior": "Calls calculate_loan with principal=350000, annual_rate=6.5, term_years=30. Reports a monthly payment of $2,212.24, 360 payments, total interest of $446,404.05, total paid $796,404.05 and a final payment of $2,209.89, plus a link to the full schedule CSV. The widget shows the payment, total interest and payoff month (30 years after the first payment), a balance chart, rate/term/extra-payment sliders and a yearly table."
            },
            {
              "description": "Mortgage calculator with extra payments",
              "prompt": "How much do I save paying an extra $200 a month on a $350,000 mortgage at 6.5% for 30 years?",
              "tools_triggered": "calculate_loan",
              "expected_behavior": "Calls calculate_loan with principal=350000, annual_rate=6.5, term_years=30, extra_payment=200. Reports the same $2,212.24 payment, total interest of $338,308.14 instead of $446,404.05, i.e. $108,095.91 of interest saved, and payoff 74 payments (6 years 2 months) sooner: 286 payments instead of 360. The widget chart shows the balance with and without the extra payment."
            },
            {
              "description": "Full PITI payment with PMI drop-off",
              "prompt": "I'm buying a $400,000 house with $40,000 down at 6.25% for 30 years. Property tax is $4,800 a year, insurance $1,500, PMI 0.5%. What's my total monthly payment and when does PMI end?",
              "tools_triggered": "calculate_loan",
              "expected_behavior": "Calls calculate_loan with home_price=400000, down_payment=40000, annual_rate=6.25, term_years=30, property_tax_annual=4800, home_insurance_annual=1500, pmi_rate=0.5. Loan amount $360,000 (90% loan-to-value). Monthly housing payment $2,891.58 = principal and interest $2,216.58 + property tax $400.00 + insurance $125.00 + PMI $150.00. PMI is charged for the first 106 monthly payments, until the balance falls to 78% of the $400,000 home value, $15,900 of PMI in total; the month it stops is shown."
            },
            {
              "description": "15-year vs 30-year comparison with CSV",
              "prompt": "Compare a $280,000 loan: 30 years at 6.5% vs 15 years at 5.75%. Show payments and total interest, and give me a CSV",
              "tools_triggered": "compare_loans",
              "expected_behavior": "Calls compare_loans with principal=280000 and two scenarios. 30-year: $1,769.79 a month, total interest $357,125.12. 15-year: $2,325.15 a month, total interest $138,526.53. Names the 30-year as the lowest payment and the 15-year as the lowest cost of borrowing, and gives a comparison CSV link."
            },
            {
              "description": "Discount points break-even",
              "prompt": "Should I pay 1 point to drop my rate from 6.75% to 6.5% on a $400,000 30-year mortgage? When do I break even?",
              "tools_triggered": "compare_loans",
              "expected_behavior": "Calls compare_loans with principal=400000, term_years=30 and two scenarios: 6.75% with no points and 6.5% with points=1. Payments $2,594.39 vs $2,528.27; the point costs $4,000 upfront; total interest $533,983.09 vs $510,179.81. Reports a break-even after 48 months (upfront cost plus interest paid so far), or 61 months counting only the lower payment, and states the result is informational, not financial advice."
            }
          ],
          "negative": [
            {
              "description": "Rent-vs-buy advice is out of scope. Expected: no tool call; ChatGPT answers on its own without presenting plugin figures.",
              "prompt": "Should I buy or rent a house right now?"
            },
            {
              "description": "Live mortgage rates are not provided (the tools only compute from rates the user gives). Expected: no tool call.",
              "prompt": "What are today's mortgage rates?"
            },
            {
              "description": "Choosing a lender or bank is out of scope. Expected: no tool call and no lender recommendation from the plugin.",
              "prompt": "Which bank has the best mortgage deal?"
            }
          ]
        },
        "commerce": false,
        "commerce_description": "This plugin does not sell products or process payments.",
        "demo_recording_url": "https://loan-planner.zovo.one/demo.mp4"
      },
      "publication": {
        "countries": [],
        "release_notes": "Initial release: exact loan and mortgage payments, amortization schedule CSV, extra and lump-sum payments, PITI with PMI drop-off, biweekly and weekly schedules, and side-by-side loan comparison with points break-even.",
        "translations": {
          "pl-PL": {
            "subtitle": "Raty kredytu i harmonogramy",
            "description": "Kalkulator kredytu hipotecznego, kalkulator kredytu i kalkulator harmonogramu sp\u0142at, kt\u00f3ry dzia\u0142a bezpo\u015brednio w czacie. Podaj kwot\u0119 kredytu (albo warto\u015b\u0107 nieruchomo\u015bci i wk\u0142ad w\u0142asny), oprocentowanie i okres sp\u0142aty, a Amortiza Loan Planner poda dok\u0142adn\u0105 rat\u0119 co do grosza, \u0142\u0105czne odsetki, dat\u0119 sp\u0142aty oraz pe\u0142ny harmonogram sp\u0142at do pobrania jako plik CSV.\n\nZaplanuj wcze\u015bniejsz\u0105 sp\u0142at\u0119: dodaj sta\u0142\u0105 nadp\u0142at\u0119 przy ka\u017cdej racie lub jednorazowe wp\u0142aty i zobacz, ile odsetek oszcz\u0119dzasz i o ile miesi\u0119cy wcze\u015bniej sp\u0142acisz kredyt. Prze\u0142\u0105cz si\u0119 na raty co dwa tygodnie lub co tydzie\u0144, tak\u017ce w wariancie przyspieszonym.\n\nZobacz ca\u0142\u0105 miesi\u0119czn\u0105 op\u0142at\u0119 za dom (PITI): kapita\u0142 i odsetki, podatek od nieruchomo\u015bci, ubezpieczenie domu, op\u0142aty wsp\u00f3lnoty (HOA) i ubezpieczenie niskiego wk\u0142adu (PMI). PMI jest naliczane tylko wtedy, gdy kredyt przekracza 80% warto\u015bci nieruchomo\u015bci, i znika, gdy saldo spadnie do 78%, a odpowiednie daty s\u0105 pokazane.\n\nPor\u00f3wnaj obok siebie od 2 do 4 kredyt\u00f3w, na przyk\u0142ad kredyt na 15 lat i na 30 lat, r\u00f3\u017cne oprocentowanie albo zakup punkt\u00f3w obni\u017caj\u0105cych oprocentowanie. Dla ka\u017cdej opcji wida\u0107 rat\u0119, \u0142\u0105czne odsetki, koszty pocz\u0105tkowe, koszt ca\u0142kowity oraz miesi\u0105c, w kt\u00f3rym punkty lub op\u0142aty zaczynaj\u0105 si\u0119 zwraca\u0107.\n\nWidok interaktywny ma suwaki oprocentowania, okresu i nadp\u0142aty, wykres salda i odsetek, tabel\u0119 roczn\u0105 oraz pobieranie pliku CSV.\n\nWyniki to deterministyczne obliczenia na podstawie podanych liczb; ostatnia rata jest korygowana tak, aby saldo wynios\u0142o dok\u0142adnie zero, a kredyty z oprocentowaniem 0% s\u0105 obs\u0142ugiwane. Nie s\u0105 potrzebne \u017cadne dane osobowe.\n\nOgraniczenia: tylko kredyty o sta\u0142ym oprocentowaniu (bez zmiennego oprocentowania, okres\u00f3w sp\u0142aty samych odsetek ani rat balonowych); narz\u0119dzie nie sprawdza aktualnych st\u00f3p procentowych, podatk\u00f3w ani ofert ubezpiecze\u0144; wyniki maj\u0105 charakter wy\u0142\u0105cznie informacyjny i nie stanowi\u0105 porady finansowej."
          },
          "de-DE": {
            "subtitle": "Kreditrate und Tilgungsplan",
            "description": "Ein Hypothekenrechner, Kreditrechner und Tilgungsrechner direkt im Chat. Geben Sie einen Kreditbetrag (oder einen Immobilienwert und eine Anzahlung), einen Zinssatz und eine Laufzeit an, und Amortiza Loan Planner liefert die exakte Rate auf den Cent, die Gesamtzinsen, das Datum der vollst\u00e4ndigen R\u00fcckzahlung und einen vollst\u00e4ndigen Tilgungsplan, den Sie als CSV herunterladen k\u00f6nnen.\n\nVorzeitige Tilgung planen: F\u00fcgen Sie eine regelm\u00e4\u00dfige Sondertilgung oder einmalige Sonderzahlungen hinzu und sehen Sie, wie viel Zinsen Sie sparen und wie viele Monate fr\u00fcher der Kredit abbezahlt ist. Wechseln Sie auf zweiw\u00f6chentliche oder w\u00f6chentliche Zahlungen, auch in der beschleunigten zweiw\u00f6chentlichen Variante.\n\nSehen Sie die gesamte monatliche Wohnkostenrate (PITI): Tilgung und Zinsen, Grundsteuer, Geb\u00e4udeversicherung, Hausgeld (HOA) und Kreditausfallversicherung (PMI). PMI f\u00e4llt nur an, solange der Kredit \u00fcber 80 % des Immobilienwerts liegt, und entf\u00e4llt, sobald der Restbetrag 78 % erreicht; die Daten dazu werden angezeigt.\n\nVergleichen Sie 2 bis 4 Kredite nebeneinander, etwa eine Hypothek \u00fcber 15 Jahre mit einer \u00fcber 30 Jahre, verschiedene Zinss\u00e4tze oder den Kauf von Disagio-Punkten f\u00fcr einen niedrigeren Zins. Jede Option zeigt Rate, Gesamtzinsen, Vorabkosten, Gesamtkosten und den Monat, ab dem sich Punkte oder Geb\u00fchren amortisiert haben.\n\nDie interaktive Ansicht bietet Schieberegler f\u00fcr Zinssatz, Laufzeit und Sondertilgung, ein Diagramm zu Restschuld und Zinsen, eine Jahrestabelle und einen CSV-Download.\n\nDie Ergebnisse sind deterministische Berechnungen aus Ihren Angaben, die letzte Rate wird so angepasst, dass der Restbetrag genau bei null endet, und Kredite mit 0 % Zinsen werden unterst\u00fctzt. Es werden keine pers\u00f6nlichen Daten ben\u00f6tigt.\n\nEinschr\u00e4nkungen: nur Kredite mit festem Zinssatz (keine variablen Zinsanpassungen, tilgungsfreien Kredite oder Kredite mit Schlussrate); es werden keine aktuellen Zinss\u00e4tze, Steuern oder Versicherungsangebote abgerufen; die Ergebnisse dienen nur der Information und sind keine Finanzberatung."
          },
          "es-ES": {
            "subtitle": "Cuotas y cuadros de pr\u00e9stamos",
            "description": "Una calculadora de hipotecas, de pr\u00e9stamos y de amortizaci\u00f3n que funciona dentro del chat. Indica el importe del pr\u00e9stamo (o el valor de la vivienda y la entrada), el tipo de inter\u00e9s y el plazo, y Amortiza Loan Planner devuelve la cuota exacta al c\u00e9ntimo, los intereses totales, la fecha de liquidaci\u00f3n y un cuadro de amortizaci\u00f3n completo que puedes descargar en CSV.\n\nPlanifica una amortizaci\u00f3n anticipada: a\u00f1ade un pago extra peri\u00f3dico o pagos \u00fanicos y comprueba cu\u00e1ntos intereses ahorras y cu\u00e1ntos meses antes terminas de pagar el pr\u00e9stamo. Cambia a pagos quincenales o semanales, incluida la modalidad quincenal acelerada.\n\nConsulta el pago mensual completo de la vivienda (PITI): capital e intereses, impuesto sobre bienes inmuebles, seguro del hogar, cuotas de comunidad (HOA) y seguro hipotecario privado (PMI). El PMI solo se cobra mientras el pr\u00e9stamo supera el 80 % del valor de la vivienda y desaparece cuando el saldo llega al 78 %, con las fechas indicadas.\n\nCompara de 2 a 4 pr\u00e9stamos uno al lado del otro, por ejemplo una hipoteca a 15 a\u00f1os frente a una a 30 a\u00f1os, distintos tipos de inter\u00e9s o pagar puntos para bajar el tipo. Cada opci\u00f3n muestra la cuota, los intereses totales, los costes iniciales, el coste total y el mes en que se recuperan los puntos o comisiones.\n\nLa vista interactiva incluye controles deslizantes de tipo, plazo y pago extra, un gr\u00e1fico de saldo e intereses, una tabla anual y la descarga en CSV.\n\nLos resultados son c\u00e1lculos deterministas a partir de los datos que proporcionas; la \u00faltima cuota se ajusta para que el saldo termine exactamente en cero y se admiten pr\u00e9stamos al 0 %. No se necesitan datos personales.\n\nLimitaciones: solo pr\u00e9stamos a tipo fijo (sin revisiones de tipo variable, pr\u00e9stamos de solo intereses ni con pago final global); no consulta tipos de inter\u00e9s actuales, impuestos ni presupuestos de seguros; los resultados son informativos y no constituyen asesoramiento financiero."
          },
          "fr-FR": {
            "subtitle": "Mensualit\u00e9s et amortissement",
            "description": "Un simulateur de pr\u00eat immobilier, de cr\u00e9dit et d'amortissement qui fonctionne directement dans la conversation. Indiquez un montant emprunt\u00e9 (ou la valeur d'un bien et un apport), un taux d'int\u00e9r\u00eat et une dur\u00e9e : Amortiza Loan Planner calcule la mensualit\u00e9 exacte au centime pr\u00e8s, le total des int\u00e9r\u00eats, la date de fin de remboursement et un tableau d'amortissement complet t\u00e9l\u00e9chargeable au format CSV.\n\nPr\u00e9parez un remboursement anticip\u00e9 : ajoutez un versement suppl\u00e9mentaire r\u00e9gulier ou des versements ponctuels et voyez les int\u00e9r\u00eats \u00e9conomis\u00e9s et combien de mois plus t\u00f4t le pr\u00eat est sold\u00e9. Passez \u00e0 des \u00e9ch\u00e9ances toutes les deux semaines ou hebdomadaires, y compris la formule bimensuelle acc\u00e9l\u00e9r\u00e9e.\n\nVisualisez l'ensemble du paiement mensuel li\u00e9 au logement (PITI) : capital et int\u00e9r\u00eats, taxe fonci\u00e8re, assurance habitation, charges de copropri\u00e9t\u00e9 (HOA) et assurance hypoth\u00e9caire priv\u00e9e (PMI). La PMI n'est factur\u00e9e que tant que le pr\u00eat d\u00e9passe 80 % de la valeur du bien et s'arr\u00eate d\u00e8s que le solde atteint 78 %, avec les dates indiqu\u00e9es.\n\nComparez c\u00f4te \u00e0 c\u00f4te 2 \u00e0 4 pr\u00eats, par exemple un pr\u00eat sur 15 ans et un pr\u00eat sur 30 ans, des taux diff\u00e9rents ou l'achat de points pour r\u00e9duire le taux. Chaque option affiche la mensualit\u00e9, le total des int\u00e9r\u00eats, les frais initiaux, le co\u00fbt total et le mois \u00e0 partir duquel les points ou frais sont amortis.\n\nLa vue interactive propose des curseurs pour le taux, la dur\u00e9e et le versement suppl\u00e9mentaire, un graphique du capital restant d\u00fb et des int\u00e9r\u00eats, un tableau annuel et un t\u00e9l\u00e9chargement CSV.\n\nLes r\u00e9sultats sont des calculs d\u00e9terministes \u00e0 partir des chiffres fournis ; la derni\u00e8re \u00e9ch\u00e9ance est ajust\u00e9e pour que le solde tombe exactement \u00e0 z\u00e9ro, et les pr\u00eats \u00e0 0 % sont pris en charge. Aucune information personnelle n'est n\u00e9cessaire.\n\nLimites : pr\u00eats \u00e0 taux fixe uniquement (pas de r\u00e9vision de taux variable, de pr\u00eat in fine ni de pr\u00eat \u00e0 paiement final major\u00e9) ; l'outil ne recherche pas les taux actuels, les imp\u00f4ts ni les devis d'assurance ; les r\u00e9sultats sont fournis \u00e0 titre informatif et ne constituent pas un conseil financier."
          },
          "ja-JP": {
            "subtitle": "\u4f4f\u5b85\u30ed\u30fc\u30f3\u306e\u8fd4\u6e08\u984d\u3068\u8fd4\u6e08\u8868",
            "description": "\u30c1\u30e3\u30c3\u30c8\u306e\u4e2d\u3067\u4f7f\u3048\u308b\u4f4f\u5b85\u30ed\u30fc\u30f3\u8a08\u7b97\u3001\u30ed\u30fc\u30f3\u8a08\u7b97\u3001\u8fd4\u6e08\u4e88\u5b9a\u8868\uff08\u511f\u9084\u8868\uff09\u306e\u8a08\u7b97\u30c4\u30fc\u30eb\u3067\u3059\u3002\u501f\u5165\u984d\uff08\u307e\u305f\u306f\u7269\u4ef6\u4fa1\u5024\u3068\u982d\u91d1\uff09\u3001\u91d1\u5229\u3001\u8fd4\u6e08\u671f\u9593\u3092\u5165\u529b\u3059\u308b\u3068\u3001Amortiza Loan Planner \u304c 1 \u30bb\u30f3\u30c8\u5358\u4f4d\u307e\u3067\u6b63\u78ba\u306a\u6bce\u56de\u306e\u8fd4\u6e08\u984d\u3001\u7dcf\u5229\u606f\u3001\u5b8c\u6e08\u65e5\u3001\u305d\u3057\u3066 CSV \u3067\u30c0\u30a6\u30f3\u30ed\u30fc\u30c9\u3067\u304d\u308b\u5b8c\u5168\u306a\u8fd4\u6e08\u4e88\u5b9a\u8868\u3092\u8fd4\u3057\u307e\u3059\u3002\n\n\u7e70\u308a\u4e0a\u3052\u8fd4\u6e08\u306e\u8a08\u753b\uff1a\u6bce\u56de\u306e\u8ffd\u52a0\u8fd4\u6e08\u3084\u4e00\u6642\u7684\u306a\u307e\u3068\u307e\u3063\u305f\u8fd4\u6e08\u3092\u52a0\u3048\u308b\u3068\u3001\u7bc0\u7d04\u3067\u304d\u308b\u5229\u606f\u3068\u3001\u4f55\u304b\u6708\u65e9\u304f\u5b8c\u6e08\u3067\u304d\u308b\u304b\u304c\u308f\u304b\u308a\u307e\u3059\u3002\u9694\u9031\u6255\u3044\u3084\u9031\u6255\u3044\uff08\u52a0\u901f\u578b\u306e\u9694\u9031\u6255\u3044\u3092\u542b\u3080\uff09\u306b\u3082\u5207\u308a\u66ff\u3048\u3089\u308c\u307e\u3059\u3002\n\n\u6bce\u6708\u306e\u4f4f\u5c45\u8cbb\u306e\u7dcf\u984d\uff08PITI\uff09\u3092\u78ba\u8a8d\u3067\u304d\u307e\u3059\uff1a\u5143\u91d1\u3068\u5229\u606f\u3001\u56fa\u5b9a\u8cc7\u7523\u7a0e\u3001\u4f4f\u5b85\u4fdd\u967a\u3001\u7ba1\u7406\u8cbb\uff08HOA\uff09\u3001\u6c11\u9593\u4f4f\u5b85\u30ed\u30fc\u30f3\u4fdd\u967a\uff08PMI\uff09\u3002PMI \u306f\u501f\u5165\u6b8b\u9ad8\u304c\u7269\u4ef6\u4fa1\u5024\u306e 80% \u3092\u8d85\u3048\u3066\u3044\u308b\u9593\u3060\u3051\u8ab2\u3055\u308c\u3001\u6b8b\u9ad8\u304c 78% \u306b\u9054\u3059\u308b\u3068\u5916\u308c\u307e\u3059\u3002\u305d\u306e\u6642\u671f\u3082\u8868\u793a\u3055\u308c\u307e\u3059\u3002\n\n2\uff5e4 \u4ef6\u306e\u30ed\u30fc\u30f3\u3092\u4e26\u3079\u3066\u6bd4\u8f03\u3067\u304d\u307e\u3059\u3002\u305f\u3068\u3048\u3070 15 \u5e74\u3068 30 \u5e74\u306e\u4f4f\u5b85\u30ed\u30fc\u30f3\u3001\u7570\u306a\u308b\u91d1\u5229\u3001\u30dd\u30a4\u30f3\u30c8\u3092\u652f\u6255\u3063\u3066\u91d1\u5229\u3092\u4e0b\u3052\u308b\u5834\u5408\u306a\u3069\u3067\u3059\u3002\u5404\u6848\u306b\u3064\u3044\u3066\u3001\u6bce\u56de\u306e\u8fd4\u6e08\u984d\u3001\u7dcf\u5229\u606f\u3001\u521d\u671f\u8cbb\u7528\u3001\u7dcf\u30b3\u30b9\u30c8\u3001\u305d\u3057\u3066\u30dd\u30a4\u30f3\u30c8\u3084\u624b\u6570\u6599\u306e\u5143\u304c\u53d6\u308c\u308b\u6708\u3092\u8868\u793a\u3057\u307e\u3059\u3002\n\n\u30a4\u30f3\u30bf\u30e9\u30af\u30c6\u30a3\u30d6\u8868\u793a\u306b\u306f\u3001\u91d1\u5229\u30fb\u671f\u9593\u30fb\u8ffd\u52a0\u8fd4\u6e08\u306e\u30b9\u30e9\u30a4\u30c0\u30fc\u3001\u6b8b\u9ad8\u3068\u5229\u606f\u306e\u30b0\u30e9\u30d5\u3001\u5e74\u3054\u3068\u306e\u8868\u3001CSV \u30c0\u30a6\u30f3\u30ed\u30fc\u30c9\u304c\u3042\u308a\u307e\u3059\u3002\n\n\u7d50\u679c\u306f\u5165\u529b\u3057\u305f\u6570\u5024\u306b\u3082\u3068\u3065\u304f\u6c7a\u5b9a\u7684\u306a\u8a08\u7b97\u3067\u3059\u3002\u6700\u7d42\u56de\u306e\u8fd4\u6e08\u984d\u306f\u6b8b\u9ad8\u304c\u3061\u3087\u3046\u3069\u30bc\u30ed\u306b\u306a\u308b\u3088\u3046\u8abf\u6574\u3055\u308c\u3001\u91d1\u5229 0% \u306e\u30ed\u30fc\u30f3\u306b\u3082\u5bfe\u5fdc\u3057\u3066\u3044\u307e\u3059\u3002\u500b\u4eba\u60c5\u5831\u306f\u4e0d\u8981\u3067\u3059\u3002\n\n\u5236\u9650\u4e8b\u9805\uff1a\u56fa\u5b9a\u91d1\u5229\u30ed\u30fc\u30f3\u306e\u307f\u5bfe\u5fdc\u3057\u3066\u3044\u307e\u3059\uff08\u5909\u52d5\u91d1\u5229\u306e\u898b\u76f4\u3057\u3001\u5229\u606f\u306e\u307f\u8fd4\u6e08\u3001\u30d0\u30eb\u30fc\u30f3\u8fd4\u6e08\u306b\u306f\u975e\u5bfe\u5fdc\uff09\u3002\u73fe\u5728\u306e\u91d1\u5229\u3001\u7a0e\u984d\u3001\u4fdd\u967a\u306e\u898b\u7a4d\u3082\u308a\u306f\u8abf\u3079\u307e\u305b\u3093\u3002\u7d50\u679c\u306f\u60c5\u5831\u63d0\u4f9b\u306e\u307f\u3092\u76ee\u7684\u3068\u3057\u305f\u3082\u306e\u3067\u3001\u91d1\u878d\u30a2\u30c9\u30d0\u30a4\u30b9\u3067\u306f\u3042\u308a\u307e\u305b\u3093\u3002"
          },
          "pt-BR": {
            "subtitle": "Parcelas e amortiza\u00e7\u00e3o",
            "description": "Uma calculadora de financiamento imobili\u00e1rio, de empr\u00e9stimos e de amortiza\u00e7\u00e3o que funciona dentro do chat. Informe o valor do empr\u00e9stimo (ou o valor do im\u00f3vel e a entrada), a taxa de juros e o prazo, e o Amortiza Loan Planner retorna a parcela exata at\u00e9 o centavo, o total de juros, a data de quita\u00e7\u00e3o e uma tabela de amortiza\u00e7\u00e3o completa que voc\u00ea pode baixar em CSV.\n\nPlaneje a quita\u00e7\u00e3o antecipada: adicione um pagamento extra recorrente ou amortiza\u00e7\u00f5es avulsas e veja quanto de juros voc\u00ea economiza e quantos meses antes o empr\u00e9stimo \u00e9 quitado. Mude para pagamentos quinzenais ou semanais, inclusive no modo quinzenal acelerado.\n\nVeja o pagamento mensal completo da moradia (PITI): principal e juros, imposto predial, seguro residencial, taxa de condom\u00ednio (HOA) e seguro hipotec\u00e1rio privado (PMI). O PMI s\u00f3 \u00e9 cobrado enquanto o empr\u00e9stimo estiver acima de 80% do valor do im\u00f3vel e deixa de ser cobrado quando o saldo chega a 78%, com as datas indicadas.\n\nCompare de 2 a 4 empr\u00e9stimos lado a lado, como um financiamento de 15 anos e um de 30 anos, taxas diferentes ou o pagamento de pontos para reduzir a taxa. Cada op\u00e7\u00e3o mostra a parcela, o total de juros, os custos iniciais, o custo total e o m\u00eas em que os pontos ou tarifas se pagam.\n\nA visualiza\u00e7\u00e3o interativa tem controles deslizantes de taxa, prazo e pagamento extra, um gr\u00e1fico de saldo e juros, uma tabela anual e o download em CSV.\n\nOs resultados s\u00e3o c\u00e1lculos determin\u00edsticos a partir dos n\u00fameros que voc\u00ea informa; a \u00faltima parcela \u00e9 ajustada para que o saldo termine exatamente em zero, e empr\u00e9stimos com taxa de 0% s\u00e3o aceitos. Nenhuma informa\u00e7\u00e3o pessoal \u00e9 necess\u00e1ria.\n\nLimita\u00e7\u00f5es: apenas empr\u00e9stimos com taxa fixa (sem reajustes de taxa vari\u00e1vel, empr\u00e9stimos s\u00f3 de juros ou com parcela final bal\u00e3o); a ferramenta n\u00e3o consulta taxas atuais, impostos nem cota\u00e7\u00f5es de seguro; os resultados s\u00e3o apenas informativos e n\u00e3o constituem aconselhamento financeiro."
          }
        }
      }
    }
  },
  "apps": "./.app.json"
}