About

Understand mortgage cash flows without opening a spreadsheet

Linemo is built by Horace Guy, an applied AI scientist based in Paris. I built the loan computation stack to see how monthly payments, duration, and rates interact before talking to a bank.

Open the Loan Simulator Adjust monthly payments, rates, and durations in real time Open ->Compare buy vs rent Model rent, savings, fees, and price appreciation to find the breakeven year Open ->Read the math note Step-by-step derivation of the amortization formula Open ->

"I needed to know how much interest hid inside my monthly payment, so I derived the equations myself. That math session became the How it works note and this simulator."

Want to help?

Share the simulator with someone prepping a mortgage meeting, or send the edge case you want modeled.

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