From bank engine rooms to your living room: Why we rebuilt HELOC Calculator from the ground up.

Hi Product Hunt! 👋 Sapling here, the maker behind HELOC Calculator.

A while ago, we launched our V1 here. It was a simple tool, and the community loved the clean UI. But as the Fed's interest rates went on a rollercoaster over the past year, I realized a harsh truth: Simple math is dangerous when it comes to Home Equity.

Most online HELOC calculators are just glorified Excel spreadsheets. They tell you the best-case scenario but hide the "black box" risk models that banks actually use to evaluate you.

For the past 20 years, I’ve worked as a software architect building Core Banking Systems for large institutions. I wrote the algorithms that handle ledger reconciliation and financial stress testing. So, for V2, I decided to take those enterprise-grade risk engines out of the bank's backend and give them directly to homeowners—for free.

🚀 What’s massively new in 2.0?

📉 Institutional-Grade Stress Testing: Simulates prime rate hikes to show your exact "payment shock."
🤖 AI-Powered Risk Scoring: Comprehensive 0-100 financial health score based on your LTV and DTI.
🛡️ Expert Reviewed: Calculation methodology aligned with strict financial compliance.
📊 Premium PDF Reports: Download bank-ready scenario analyses.

🎁 PRODUCT HUNT EXCLUSIVE: To celebrate our V2 launch, I modified the backend logic for today. The first 50 Premium PDF Reports generated are 100% FREE (normally $4.99). No promo code needed—the checkout is automatically bypassed if you are among the first 50.

I’d love to hear your feedback!

How does the stress-test UI feel?
What is your Risk Score?
What other insights or tips should we add to the PDF report?

I'll be here all day answering your questions! Let's talk numbers.

HELOC Calculator 2.0 - Bank-grade HELOC stress testing & AI risk analysis.

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