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affordability

Here are 29 public repositories matching this topic...

Personal finance agent that decides whether an expense is safe — pay in full, split, use installments, or wait — from a 90-day balance forecast over real transaction history, with a deterministic decision core and a narrow multimodal evidence layer for receipts and messages.

  • Updated Sep 15, 2026
  • Python

Does affordability predict repayment beyond a credit score? On 1.35M real loans, affordability features alone out-predict a full credit bureau record. Leakage-free, with a FICO-by-affordability heatmap.

  • Updated Jun 29, 2026
  • Jupyter Notebook

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