Web App Developer Needed for Consumer Loan & Warranty Decisions. Tool MVP

I am looking for a web app developer to build a phase-1 MVP for a consumer finance tool focused on helping people understand loan deals, negative equity, total interest paid, and optional warranty/service-contract costs before they sign paperwork. This is a privacy-first tool. Version 1 is manual-entry only. I do not want bank-account connections, lender logins, or anything that requires users to link financial accounts. The main goal is simple: a person types in the numbers from a real loan or sales deal and the app helps them understand whether the deal is fair, risky, upside down, or hiding extra cost. The app should also include a second section for optional warranties or service contracts. The user should be able to enter the warranty price, term, mileage limit, deductible, and paste contract language into the app so it can surface possible red flags, limitations, payout caps, exclusions, likely pros, likely cons, and questions to ask before signing. What I need built in Phase 1 I need a clean, mobile-friendly web app MVP that includes the following core features: • Input fields for loan amount, APR, term, payment frequency, extra payment, current asset value, credit score, offered rate, and optional early payoff penalty details. • Output showing estimated payment, total interest, total paid, payoff timeline, equity position, and a simple risk or “worth it” style verdict. • A contract-mismatch or deal-check feature that helps identify when payment, APR, term, and total cost do not appear to reconcile cleanly and may require more questions. • A warranty/service-contract section with manual inputs plus pasted text review for likely exclusions, limits, pre-existing-condition issues, vehicle-value caps, deductible concerns, cancellation language, and other warning signs. • Responsive design that works well on desktop and mobile. Phase 2 ideas, not required now These are not part of the initial MVP quote, but I may want them later: • OCR or photo upload for extracting contract details from paperwork • User accounts and saved sessions • Admin editing tools • Apple App Store / Google Play packaging • More advanced AI-assisted document review What I need from the developer I want a developer who can help keep this first version simple, practical, and launchable. Please recommend the simplest reliable stack for Phase 1 MVP development. The developer must be comfortable with the following: • Working in a client-owned repository and client-owned accounts • Building with milestone-based delivery • Providing clean handoff documentation • Delivering source code and full ownership of all work product • Signing NDA and contractor/IP assignment agreement before full project start Proposal requirements Please answer all of the following in your proposal: 1. Have you built any calculators, fintech tools, decision tools, or contract-review style web apps before? 2. What tech stack would you use for this MVP and why? 3. How long do you think Phase 1 would take? 4. How would you break the project into milestones? 5. Are you comfortable working in a repository and accounts owned by me? 6. Can you share one or two relevant examples only? 7. What would you simplify in Phase 1 to launch faster without losing the main value? Budget and scope This is a fixed-price Phase 1 MVP project, not a full enterprise platform. I am looking for someone who understands how to scope an MVP properly, ship a strong first version, and leave room for future phases. To confirm you read the full post, start your proposal with: manual-first MVP