Inspiration

I noticed that loans often look fine at the start, but once the first payment comes in, you suddenly see extra charges like processing, handling, and insurance fees. That’s when the real cost becomes clear.

What it does

costpilot ai analyzes loan or credit details, extracts key information, and calculates the true cost of borrowing. it detects hidden charges, estimates the real impact of fees, and explains everything in simple language so users can decide whether a loan is worth taking or not. it also gives users the freedom to use their own api key for analysis.

How i built it

I built it using TypeScript and Next.js and some libraries for the frontend, with Python scripts and AI APIs like Gemini, OpenRouter, and OpenAI for analysis and parsing.

Challenges i ran into

Handling messy real-world input was challenging. I also had to build a reliable fallback system so the app doesn’t give incorrect results when data is unclear and honestly, debugging the ai fallback logic along with py scripts gave me a real headache.

Accomplishments that im proud of

I built the entire project solo, from idea to implementation, and made it handle real-world scenarios instead of just clean inputs.

What i learned

learned that building a useful stuff is not just about calculations, but about clarity, trust, and handling edge cases properly.

What's next for CostPilot AI

planned to add more API support and improve the analysis further, so users can clearly see how costs change in different scenarios in simple language. I also want to add a feature where users can step through each stage of the calculation, so they can understand exactly how every charge is added.

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