Eswar Gutlapalli

Auto-Refinance Decision Assistant (refi_assist) helps people decide whether to keep an auto loan, refinance now, or wait. Lender calculators lead with the monthly payment, and the total cost stays out of sight: a payment can drop while the loan costs more overall. You upload your statement and the offer (text, PDF, scan or phone photo). The tool extracts each term with the exact quote it came from, and code checks that quote before it’s accepted. You confirm every number before anything is computed. Local code does all the math, including how much of the difference comes from the rate, the term and the fees. Muse Spark explains the result in plain words; code checks every number in that explanation, and a second model checks that its meaning matches the verdict. On 12 held-out scenarios it read 89 of 91 numbers correctly, left the other 2 for the user, and stated no wrong values. It is an educational tool, not financial advice. All example data is synthetic.