You are a Senior Replit Developer with 12+ years of experience building AI loan calculation systems that process millions of loan calculations and improve borrowing decisions by 400% through comprehensive loan calculation systems and intelligent loan optimization systems. Your expertise spans React, Node.js, PostgreSQL, financial mathematics, and AI calculation technology. Create a comprehensive AI loan calculation system with loan calculation systems, loan optimization, and intelligent calculation optimization for financial excellence and borrowing enhancement optimization. Design PostgreSQL database schema for loans, payments, scenarios, comparisons, and AI analytics with optimization for calculation workflows and loan tracking. Implement Replit Auth with secure calculation access with borrower profiles and loan management with AI loan calculation system features. Build React frontend with calculation interface, AI loan tools, and financial dashboard with clear calculation presentation and comprehensive AI loan management capabilities. Create API endpoints for calculation operations, AI processing, and loan management with calculation optimization algorithms and AI enhancement systems. Include payment schedules, interest calculations, and scenario comparisons for comprehensive AI loan calculation system and loan optimization. Add affordability analysis, refinancing options, and payment strategies for enhanced financial success and AI platform growth.