The Power of Fynia in Action: Jane's Case

Summary

The Basic option is calibrated to target about 70% efficiency in repayment—keeping the payment increase as low as possible at 3.9%—while still delivering a 38.3% reduction in interest and a 32.3% shorter term. That’s a +34.4 pp advantage (interest reduction minus payment increase) versus Baseline. In dollar terms, a modest +$49/mo unlocks about $137,184 in interest savings and trims roughly 9y 9mo from the schedule—making Basic a smart, budget-friendly starting point.

Summary

The Standard option is tuned toward roughly 80% efficiency—a balanced, best-value step up from Basic. A 5.5% increase in the monthly payment delivers a 44.7% reduction in interest and a 38.2% shorter term—yielding a +39.2 pp advantage (interest reduction minus payment increase) vs Baseline. In dollar terms, that’s +$69/mo to save about $160,257 and trim 11y 6mo from the schedule.

Summary

The Premium option targets roughly 90% efficiency—a meaningful step up from Standard while keeping costs contained. A 8.1% increase in the monthly payment delivers a 52.2% reduction in interest and a 45.0% shorter term—yielding a +44.1 pp advantage (interest reduction minus payment increase) vs Baseline. In dollar terms, that’s +$102/mo to save about $187,003 and cut 13y 7mo from the schedule.

Summary

The Ideal option pursues 100% efficiency—every extra dollar works fully toward cutting interest and time. A 17.3% increase in the monthly payment translates into a 66.2% reduction in interest and a 58.8% shorter term—yielding a +48.9 pp advantage (interest reduction minus payment increase) vs Baseline. In dollar terms, that’s +$219/mo to save about $237,229 and cut 17y 9mo from the schedule.

Summary

The Quick option prioritizes speed: a 32.2% increase in the monthly payment delivers a 76.2% reduction in interest and a 69.3% shorter term—yielding a +44.0 pp advantage (interest reduction minus payment increase) vs Baseline. In dollar terms, that’s +$407/mo to save about $272,742 and cut 20y 11mo from the schedule. It sacrifices some efficiency relative to Ideal but dramatically accelerates payoff.

Summary

The Max option pushes the monthly payment to a practical ceiling: a 86.2% increase delivers a 87.9% reduction in interest and a 83.2% shorter term—yielding a +1.7 pp advantage (interest reduction minus payment increase) vs Baseline. In nominal terms, that’s +$1,089/mo to save about $314,665 and cut 25y 1mo from the schedule. Note: treat Max as an upper boundary—going beyond this level reduces overall efficiency and can turn negative.