Independent from lenders
LoWi is not affiliated with banks or other lenders and does not list their offers. Every offer runs through the same formulas.
Who makes it
Ivan Zemtsov
Information security expert, creator of the Securitics project, author and instructor of information security courses.
The job is spotting the catch behind a familiar interface. In loans it usually sits in the small print: insurance added to the principal, paid extras, “from” rates. LoWi turns all of that into money.
Principles
Open formulas
The methodology is published: fixed and equal-principal payments, effective rate, calendar dates and rounding.
Your data stays with you
No sign-up. Everything you enter is calculated in your browser and never sent to a server.
Checked numbers
Every example on the site is recomputed by automated tests on the same engine the calculator uses.
How the project is funded
There are no loan ads or bank affiliate links on the site, and the widget is free. If paid services appear, they will not depend on which loan you choose.
Useful links
Send suggestions and calculation errors to leader@texevent.ru.