The All In One Loan Comparison Simulator provides you with a tool to estimate your savings compared to other loan terms like a 30-year fixed mortgage.  This is much more than a simple mortgage calculator, since it takes other factors into account that will impact your payback on this loan.  And like any tool, it can take some experience and time working with it to think through the inputs that will provide the best output.  

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So while I encourage you to "play" with this calculator, I would suggest working with me directly to talk through the results you're seeing here.  I would also run through scenarios with you to validate the results.  My ultimate goal is to put you in a better place financially, which includes making sure that this loan provides you the benefits you fully expect.