KiedyKredyt
Financial analysis platform using Monte Carlo simulations to determine optimal mortgage timing.
Overview
Traditional mortgage calculators only show monthly payments. KiedyKredyt answers: "Should I take a mortgage now, or wait and save more for a down payment?"
Uses Monte Carlo simulations with 10,000 scenarios to model market uncertainty, income growth, and investment returns over time.
See the live platform (in Polish).
Technical Implementation
Frontend:
- React with TypeScript
- Tailwind CSS + shadcn-ui
- Recharts for data visualization
- Multi-step form with real-time validation
Backend:
- Python FastAPI
- PostgreSQL database
- Redis for caching
- Celery for background tasks
SimEngine (by friend):
- R with C++ optimizations (Rcpp)
- Monte Carlo simulation engine
- Historical market data integration
Frontend was mostly "vibe coded" with LLM assistance - not a frontend expert but can achieve complex functionality.
Key Features
- 10,000 Monte Carlo simulations per analysis
- Interactive charts showing probability distributions
- Multi-step form with parameter customization
- Real-time recommendations based on risk tolerance
- Mobile-responsive design
Technologies Used
ReactTypeScriptPythonFastAPIPostgreSQLRedisCeleryRTailwind CSSRechartsMonte Carlo