Finance
October 21, 20251 min readFinSmart USA — Loans, Savings & Bank Compare
A compact toolkit to plan EMIs, simulate savings growth, and compare bank rates.
FinSmart USA — Loans · Savings · Bank Compare
All-in-one banking toolkit: EMI planner, savings growth simulator, and bank interest & fee comparator.
Loan & EMI Planner
Results
Monthly payment, total interest & amortization preview
Est. monthly
Total Paid
$682,633.47
Interest Paid
$382,633.47
| Pmt # | Payment | Interest | Balance |
|---|---|---|---|
| 1 | $1,896.20 | $1,625.00 | $299,728.80 |
| 2 | $1,896.20 | $1,623.53 | $299,456.12 |
| 3 | $1,896.20 | $1,622.05 | $299,181.97 |
| 4 | $1,896.20 | $1,620.57 | $298,906.34 |
| 5 | $1,896.20 | $1,619.08 | $298,629.21 |
| 6 | $1,896.20 | $1,617.57 | $298,350.58 |
| 7 | $1,896.20 | $1,616.07 | $298,070.44 |
| 8 | $1,896.20 | $1,614.55 | $297,788.79 |
| 9 | $1,896.20 | $1,613.02 | $297,505.60 |
| 10 | $1,896.20 | $1,611.49 | $297,220.89 |
| 11 | $1,896.20 | $1,609.95 | $296,934.63 |
| 12 | $1,896.20 | $1,608.40 | $296,646.82 |
Savings & Growth Simulator
Final Balance
$83,434.00
Total Contributions
$65,000.00
Bank Interest & Fee Comparator
Ally Bank
Savings APY: 2.50%
CD APY: 3.50%
Monthly Fee
No fee
Chase Bank
Savings APY: 0.10%
CD APY: 2.00%
Monthly Fee
$12.00
Capital One
Savings APY: 1.50%
CD APY: 3.00%
Monthly Fee
No fee
Wells Fargo
Savings APY: 0.10%
CD APY: 1.50%
Monthly Fee
$10.00
Marcus (Goldman)
Savings APY: 2.20%
CD APY: 3.60%
Monthly Fee
No fee
Discover
Savings APY: 2.00%
CD APY: 3.30%
Monthly Fee
No fee
SoFi
Savings APY: 1.80%
CD APY: 3.20%
Monthly Fee
No fee
Note: Bank rates and fees change — update
BANKS dataset periodically for accuracy.FinSmart USA helps you quickly estimate loan EMIs, project savings growth, and compare bank APYs and fees to make informed personal finance choices.
This tool is a prototype for quick planning and education. For financial advice, consult a licensed professional.
FAQs
Are rates live?
No — bank rates in the tool are sample data and should be updated from official sources.
Can I export the amortization schedule?
Not yet — consider adding an export feature (CSV/PDF) in a follow-up.