F

financial-planning

LoanRenew is an open source specification for deterministic refinancing with renewable capital, designed for a personally owned lending business. It combines transparent loan repayment, automated capital reinvestment, investor participation and dividend elections, mortgage and title services, public-record verification, tax reserve reconciliation, and comprehensive financial reporting into a modular architecture.

Solvra is an open-source financial modeling engine designed to simulate loans under a controlled, transparent amortization system. It applies a capped-interest rule based on a 15-year maximum effective interest window and redistributes total interest evenly across the full loan term, producing predictable, linear payment structures for scenario analysis, affordability testing, and structured financial planning. https://roxanneardary.com/solvra/

Public Venture is an open source public-interest sponsorship specification that enables individuals, organizations, foundations, governments, and communities to fund important missions, investigations, research, and projects while preserving the independence of their outcomes. Its core principle is simple: fund the question without purchasing the answer. https://roxanneardary.com/public-venture/

Nexa: Continuity Engine is a generational wealth operating system designed to structure, simulate, and govern long-term financial systems through programmable trust logic, multi-trust networks, and lifecycle-aware rules. It enables deterministic modeling of inheritance, asset growth, and governance across decades, transforming traditional estate planning into a structured, time-aware computational framework. https://roxanneardary.com/nexa/

HypoNavi: Mortgage Calculator — iPhone and Android app to compare mortgage offers, model refinance break-even, stress-test post-fixation rate hikes, and run extra-payment scenarios. Standard annuity formula. Free, offline, no tracking. By Lapnito.

BalanceForward is an open source deterministic financing specification that helps businesses design sustainable debt-refinancing solutions based on a borrower's income, cost of living, repayment capacity, qualifying debt, and collateral. With a fixed 5% interest rate, maximum 50% collateral advance rate, and 20-year maximum term, BalanceForward provides a modular framework for predictable, transparent, and borrower-centered financing. https://roxanneardary.com/balanceforward/

NextState is an open-source AI platform that empowers citizens to track, calculate, and optimize dividends from state-owned resources. Inspired by Alaska's Permanent Fund, it puts government profits back into the hands of residents, promoting transparency, equity, and informed decision-making. The platform provides personalized dashboards, AI-driven projections, migration and policy simulations, and comparisons between states based on dividends, education, healthcare, and cost of living. Advanced features include financial planning integration, predictive analytics, gamification, and sustainability metrics. https://roxanneardary.com/nextstate/

DecisionAI is an open-source AI financial intelligence platform that simplifies investment disclosures, explains shareholder voting, and analyzes portfolio risk through trend, forecasting, and regulatory intelligence. It continuously tracks market data, innovation progress, and evolving laws to provide forward-looking insights about the foreseeable future. Built for transparency and explainability, it helps users make informed financial decisions with clear reasoning, scenario modeling, and up-to-date regulatory awareness. https://roxanneardary.com/decisionai/