Recast or Not - recast, prepay, refinance or keep the cash?
Clean
Got a lump sum and a mortgage? Four paths run month by month in your browser - keep the cash, recast to a lower payment, prepay to finish sooner, refinance - drawn as loan-balance trails with payoff, interest, cash cushion and your position at the year you expect to move. A metered read weighs them and says which, with questions for your servicer. Built on @joellewis/lending. Estimates, not financial advice.
PricingUsage-based + 10% creator margin
Billed model rate$2.20 in / $13.20 out per 1M tokens
Creator margin+10%
Effective rate$2.40 in / $14.40 out per 1M tokens
Security scanClean — skill and frontend scanned
Model
gpt-terra Created2026-10-20
Updated2026-10-22
Every public app is built from a security-scanned skill and must pass a clean scan — skill and frontend — before it can be listed. Have a skill of your own? Turn it into an app — or read the step-by-step walkthrough.