Use this when
Balance
Capture the facts for balance in plain language before moving to software, automation, or a larger system.
Rate
Capture the facts for rate in plain language before moving to software, automation, or a larger system.
Baseline term
Capture the facts for baseline term in plain language before moving to software, automation, or a larger system.
Extra principal
Capture the facts for extra principal in plain language before moving to software, automation, or a larger system.
Months saved
Capture the facts for months saved in plain language before moving to software, automation, or a larger system.
Interest saved
Capture the facts for interest saved in plain language before moving to software, automation, or a larger system.
The practical workflow
- Start with the current balance and APR.
- Use a monthly extra payment you can sustain.
- Compare months saved against cash flexibility.
- Save the scenario and revisit after balance changes.
- Do not treat the estimate as financial advice.
Copyable AI prompt
Analyze this extra-payment plan: balance [x], APR [x], term [x], extra monthly principal [x]. Explain payoff and tradeoffs.When a template is not enough.
This page gives the useful first version. Loan Genius is the Decent4 product tied to the deeper workflow.
Open Loan Genius