Update to Owned Outright

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  "created_at": "2026-10-03T06:54:12.450383Z",
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  "id": "plugin_asdk_app_6ac09cf366248191aae5aec6ba3ddcd8",
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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, when a refinance breaks even, when PMI can be removed, and ARM payments with the worst case the caps allow. Education only, not financial advice.",
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        "Calculate mortgage payoff with extra payments",
        "Find the extra payment needed for a payoff date",
        "Find the refinance break-even point",
        "Find when PMI can be removed",
        "Show ARM payments and the worst case"
      ],
      "category": "Finance",
      "composer_icon_dark_url": null,
      "composer_icon_url": "https://files.openai.com/content?id=file_00000000a5a082088e0b436c88b11335",
      "default_prompt": "$300k mortgage at 6.5%, 30 years left, next payment Nov 2026. How much sooner with an extra $200 a month?",
      "default_prompts": [
        "$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."
      ],
      "developer_name": "WinWithWeb Technologies LLP",
      "logo_url": "https://files.openai.com/content?id=file_00000000d600820891adf5aaf8fc4242",
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      "long_description": "US mortgage 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. It can also work out when PMI can be cancelled or must end on a conventional loan, and the payments on an adjustable-rate mortgage, including the highest payment its rate caps allow. Every answer links to the matching calculator so you can adjust the numbers. Education only, not financial advice.",
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      "short_description": "Mortgage payoff calculator",
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