Made by calude at 3am one night because i wanted to model future finances... with ai...

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Year 0 is today. Each year your deposit grows by the compounding rate, then adds that year's savings. The bank lends your income times the lending multiple, and your deposit sits on top.

Income

Growth per year after Y4 (%) Bank lending multiple (x income)

Savings and deposit

Deposit today (£) Deposit growth per year (%) Saved in full up to income of (£) Taper above that (k)

Saved per year = income up to the threshold, then thr + (income - thr) * (1 - k * sqrt(income - thr)). Savings are added using the income you earned during that year.

Mortgage

Interest rate (%) Repayment term (years) Fixed property value (£), blank = maximum Years to model

Buy in year 5

Income, deposit and maximum property value

Monthly repayment by purchase year

Purple is the maximum loan in each year. Amber appears when you set a fixed property value: the loan shrinks as your deposit grows.