About

Built by a borrower who wanted straight answers

I'm Ashutosh Anand, a software engineer. I started Owned Outright after spending months modeling my own home loan prepayments in spreadsheets, because the calculators I found either assumed a brand-new loan, handled only one lump sum, or showed rosier numbers than my statements did.

What this site does differently

• Starts from your loan today. Enter today's balance, not the amount you borrowed years ago.
• Handles real habits. Monthly extras, a yearly bonus and one-off lump sums, together.
• Rounds like a lender. Interest is rounded to the cent every month, so results track a real statement rather than an idealized formula.
• Shows the working. Every calculator links to the method and formulas it uses.
• Keeps your numbers private. All calculations run in your browser. Nothing you type is sent anywhere unless you choose to share it, for example with an AI assistant.

How the numbers are checked

The calculators share one calculation engine with an automated test suite. It checks the engine against published payment figures (for example, $200,000 at 6.5% over 30 years is $1,264.14 a month) and against rules that must always hold, such as principal repaid adding up to the loan to the cent. When a calculator changes, the change is logged on the methodology page.

What this site is not

I'm not a licensed financial adviser, mortgage broker or tax professional, and nothing here is personal advice. The calculators show what the math says; your lender's figures are final, and decisions about your money should consider your whole situation.

Contact

Spotted a number that looks wrong, or want a calculator that doesn't exist yet? Email hello@ownedoutright.com.