This is a very nice tool, although it should really have "include upfront amortization cost" checked by default, otherwise the "75% savings" for a 1-year heavy reserve is very misleading.
I'd previously done the same on a spreadsheet but its nice to have this tool instead.
Thanks for the feedback. We can enable by default no problem - we just left it out since the upfront cost is included in the list.
I had a spreadsheet prior to this too ... that's why we decided to publish it (and programmatically keep it updated so it's always right - spreadsheets are tiresome to maintain!)
I'd previously done the same on a spreadsheet but its nice to have this tool instead.