Adjustable Rate Mortgages were all the rage in Italy a couple of years ago, when I had to buy a home, but online mortgage calculators weren’t up to the task – I didn’t find any able to create simulations based on future rates scenarios. After solving the problem for myself with excel and some math, I decided to create a free service for everybody else with the same problem.

This is a Ruby on Rails app, but with pretty heavy client side functionalities. You can even edit the future rates scenarios yourself, directly on the graph. Incredible what you can accomplish with some Javascript today. Take a look at the following advanced visualization (click on the image to watch it live and interactive):