plgcalc

A financial modeling tool for commercial real estate (CRE) professionals to compare C-PACE (Commercial Property Assessed Clean Energy) financing against conventional loan stacks. Users can model scenarios with different equity/debt splits, interest-only periods, energy savings, rebates, and tax shields, then visualize net cash flow, cumulative payback, NPV, and savings-to-investment ratios over 10–30 year horizons. The calculator supports preset scenarios (new construction, major retrofit) designed to show how PACE's longer terms and lower rates can reduce out-of-pocket costs in early years.

Built to address a specific gap in C-PACE marketing: existing calculators (like the Texas PACE Authority reference) didn't accurately model why PACE is often cash-flow favorable early on—missing equity down-payment effects, energy savings offsets, and stacked capital structures. The tool serves as both a sales/education resource and a real-world financial planning aid for PACE lenders or property developers.

Next.js 14+ (App Router), React, TypeScript, Tailwind CSS. Custom finance library with amortization, NPV, and scenario modeling logic. Deployed to Vercel.

Last active Jul 8, 2025 — 4 commits across 1 active day (spanning 0 days).

Rapid one-day build on August 8, 2025: 4 commits across a single active day. Suggests a focused sprint to ship a working MVP, likely leveraging prior domain knowledge and existing component patterns.

Deployed to Vercel with a live URL, structured finance library, and a detailed implementation plan documenting presets and math for real-world CRE scenarios. The PLAN.md references an existing market tool and outlines next-phase features, indicating intent to use and iterate. While commit history is minimal, the scope—modeling complex capital stacks with tax shields, energy escalation, and NPV—exceeds a throwaway experiment. Private repo status and domain specificity suggest internal/commercial use.