Afforya Financial Tools is a suite of 100% free, institutional-grade calculators designed for smart borrowing decisions. Key features included: • Mortgage Readiness & DTI limits validation (28/43 rule) • Early Loan Payoff & interest savings visualizer • Auto & RV financing loan schedule modeler • Comprehensive loan amortization schedules • Interactive 4-step borrower readiness audit All calculations run 100% locally in your browser with zero guesswork and complete data privacy.