MCPMinx

MCPMinx is a personal data analysis application that utilizes "Cobalt Blue" curves and term trajectories to visualize remaining principal and repayment progress. Users create profiles for credit products and personal finances, inputting details such as contractual interest rates, interest calculation methods, actual funds received, fees, and terms, while linking repayments to a ledger. The app breaks down principal, interest, and fees—and displays both disclosed contractual rates and estimated cash flows—using calculations for principal-and-interest amortization, Internal Rate of Return (IRR), and annualized costs based on actual dates. It supports scenario modeling for monthly top-ups, lump-sum prepayments, minimum payment constraints, available fund limits, and target payoff date calculations, while comparing cost differences and changes in loan duration. A "Scenario Lab" allows users to observe the impact of interest rate adjustments, income drops, and fee changes, while a strategy log records plans, actual execution, parameter revisions, and payoff events.