Changelog

Current version v0.1.1. Last updated 2026-05-13.

2026-05-12 · v0.1.0 · Initial honest skeleton

Home page with embedded HeroCalc (live mortgage calculation)
Full 30-year fixed mortgage calculator at /us/mortgage/30-year-fixed: URL-state shareability, all 50 states + DC, tiered PMI by LTV, PMI auto-removal at 78% LTV, print stylesheet, CSV export, full keyboard a11y
State income tax index at /us/tax/state-income: sortable table, summary cards, filter chips
51 per-state stub pages with top marginal rate, structure, and source link
Methodology, Glossary, Sources pages
Legal: Privacy, Terms, Disclaimer, Cookies
SEO infra: sitemap.xml, robots.txt, JSON-LD structured data, per-page OG meta

Framework: Next.js 16 App Router. React Server Components for static content + client islands for the calculator.
No database in v0.1. Tax data, rate snapshot, and property-tax medians live in TypeScript const files. Postgres activates in v0.2 alongside the rate ingestion pipeline.
US-first. UK and AU coverage are on the roadmap; routes are reserved but return 404 in v0.1.
PMI is tiered by LTV (0.50% / 0.75% / 1.00% / 1.25%) rather than the flat 0.75% the original design prototype used. More realistic; auto-removal at 78% LTV is now surfaced in the calculator UI.