{"inputs":{"principal":1000000,"rate":6.5,"years":30,"interestOnly":false},"result":{"monthlyPayment":6320.68,"annualDebtService":75848.16,"totalInterest":1275444.88},"notes":"Level fixed-rate payment on a fully-amortizing loan.","disclaimer":"Quick screen only — not investment, tax, or legal advice. Excludes capital expenditures, income taxes, and reserves."}