Update to Owned Outright

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    "description": "US mortgage payoff maths from ownedoutright.com. Gives the new payoff date and interest saved from extra payments, the extra needed to be mortgage-free by a date, and when a refinance breaks even. Education only, not financial advice.",
    "display_name": "Owned Outright",
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        "Find the refinance break-even point"
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      "default_prompt": "$300k mortgage at 6.5%, 30 years left, next payment Nov 2026. How much sooner with an extra $200 a month?",
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        "$300k mortgage at 6.5%, 30 years left, next payment Nov 2026. How much sooner with an extra $200 a month?",
        "Same loan. How much extra per month would I need to be mortgage-free in 15 years?",
        "$300k at 7%, 28 years left. Is refinancing to a 30-year at 6% with $4,000 closing costs worth it? Next payment Nov 2026."
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      "long_description": "US mortgage payoff maths from ownedoutright.com. Give ChatGPT your balance, rate and time left. It works out the new payoff date and the interest saved from a monthly, yearly or one-time extra payment, the extra needed to be mortgage-free by a date, or how many months until a refinance pays for its closing costs. Every answer links to the matching calculator so you can adjust the numbers. Education only, not financial advice.",
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