Real ChatGPT answer + Gemini simulation · index seedksTQKY14JoEcompleteAI OverviewFinance and banking · mortgagesinformational
Show me how to estimate the total lifetime interest costs on a two hundred thousand dollar loan with today average interest rates.
ChatGPTgpt-6Geminigemini-3.5-flash-lite3 passes + 1 real-search34 queries10/30/2026
Download run
Gemini unique queries
33
1 in ≥ half the passes · stability 34%
ChatGPT real searches predicted
0%
0 of 1 matched the simulation
Fan-out diagram
Seed → topic clusters → sub-queries, per model.
SEED QUERY
Show me how to estimate the total lifetime interest costs on a two hundred thousand dollar loan with today average interest rates.
33 unique queries · 3 passes
loan amortization schedules
1 query · 2 hits
loan amortization schedule calculator2xGoogle ↗
ENTITY EXPANSION
Badge and edge weight = share of passes that produced the query. Hover a query for its intent and routing format.
Query classes
Google's semantic query class for every sub-query: what kind of answer each search is after, simulated vs real.
ChatGPT real searches (1)
Classes come from the query-classifier (a local Laya model). 1 of 1 calls are low-confidence (under 50%) — hover a query in the table to see its confidence. 33 queries are still being classified.
What the models actually searched
Each model answered the query with its own web search. These are the searches it ran, matched to the closest simulated query.
ChatGPT1 real searches · gpt-60% predicted
average 30-year fixed mortgage interest rate today October 30 2026 United States Freddie Mac mortgage rates 2026 Google ↗
- Mortgage Rates · freddiemac.com
- Mortgage rates and affordability · myhome.freddiemac.com
Semantic map
Every query placed by meaning (EmbeddingGemma 2, 256-d). Shaded regions are topics, nearby points are near-paraphrases, and a circle's size is how often the query came back.
Colour
SimulatedReal search
Hover a query to see its counterpart · click a topic to focus it · zoom with Ctrl/⌘ + scroll, a pinch, double-click or +
Queries
33 queries · click a column to sort
| Query / type | Search | Intent | Query class | Routing format | Cluster | Freq ↓ | Weight |
|---|---|---|---|---|---|---|---|
loan amortization schedule calculator ENTITY EXPANSION | Google ↗ AI Mode ↗ | The user wants an interactive tool to automatically compute interest over time. | — | calculator/tool | loan amortization schedules | 2x of 3 | |
how to calculate total interest on a 200000 loan REFORMULATION | Google ↗ AI Mode ↗ | The user wants a direct explanation and formula for computing lifetime loan interest. | — | how_to_steps | loan interest calculation examples | 1x of 3 | |
how to calculate total lifetime interest on a 200000 dollar loan REFORMULATION | Google ↗ AI Mode ↗ | The user wants a direct formula or set of steps to compute the cumulative interest paid over the life of a specific loan amount. | — | how_to_steps | loan interest calculation examples | 1x of 3 | |
how to calculate total lifetime interest on a loan REFORMULATION | Google ↗ AI Mode ↗ | The user wants a clear formula or method to determine overall interest costs over the life of a loan. | — | how_to_steps | loan interest calculation formulas | 1x of 3 | |
current average loan interest rates today RELATED | Google ↗ AI Mode ↗ | The user wants to find out what current interest rates are being referenced for loans. | — | web_article | current market interest rates | 1x of 3 | |
current average loan interest rates RELATED | Google ↗ AI Mode ↗ | The user needs to know what today's benchmark interest rates are in order to plug them into the lifetime interest formula. | — | web_article | current market interest rates | 1x of 3 | |
current average interest rates for personal and home loans RELATED | Google ↗ AI Mode ↗ | The user wants to know the prevailing market interest rates needed to compute their specific loan scenario. | — | web_article | current market interest rates | 1x of 3 | |
formula for total lifetime interest on fixed rate loan IMPLICIT | Google ↗ AI Mode ↗ | The user is looking for the exact mathematical formula used to figure out lifetime interest costs. | — | glossary/definition | loan interest calculation formulas | 1x of 3 | |
formula for total interest paid over loan term IMPLICIT | Google ↗ AI Mode ↗ | The user is looking for the mathematical equation used to derive total interest from principal, rate, and term length. | — | glossary/definition | loan interest calculation formulas | 1x of 3 | |
what is amortization and how does it affect total interest IMPLICIT | Google ↗ AI Mode ↗ | The user needs to understand how monthly payments are split between principal and interest over time. | — | glossary/definition | loan amortization schedules | 1x of 3 | |
30 year vs 15 year mortgage lifetime interest comparison COMPARATIVE | Google ↗ AI Mode ↗ | The user wants to compare how loan term length affects total lifetime interest costs. | — | comparison_table | mortgage term length comparison | 1x of 3 | |
fixed vs adjustable rate lifetime interest comparison COMPARATIVE | Google ↗ AI Mode ↗ | The user wants to understand how different loan structures affect the total interest costs estimated over time. | — | comparison_table | fixed versus adjustable rates | 1x of 3 | |
fixed vs adjustable rate lifetime interest cost comparison COMPARATIVE | Google ↗ AI Mode ↗ | The user wants to compare how different loan structures impact the total interest paid over time. | — | comparison_table | fixed versus adjustable rates | 1x of 3 | |
personal loan vs mortgage lifetime interest costs ENTITY EXPANSION | Google ↗ AI Mode ↗ | The user is exploring how loan type (such as mortgage versus personal loan) changes the timeframe and total interest paid for 200k. | — | buyers_guide | mortgage term length comparison | 1x of 3 | |
200000 dollar loan payment calculator with total interest ENTITY EXPANSION | Google ↗ AI Mode ↗ | The user wants an interactive tool to instantly compute the payment and total interest for a 200k loan. | — | calculator/tool | loan interest calculation examples | 1x of 3 | |
first time home buyer interest cost guide PERSONALIZED | Google ↗ AI Mode ↗ | The user is likely a home buyer trying to understand long-term borrowing costs. | — | buyers_guide | current market interest rates | 1x of 3 | |
how to lower total interest paid on a large loan PERSONALIZED | Google ↗ AI Mode ↗ | The user seeks practical strategies to reduce the calculated lifetime interest amount through prepayments or refinancing. | — | faq_page | strategies to reduce interest | 1x of 3 | |
how can I reduce the total interest paid on a large loan PERSONALIZED | Google ↗ AI Mode ↗ | The user wants actionable strategies to lower their overall interest expense. | — | buyers_guide | strategies to reduce interest | 1x of 3 | |
how does loan interest accumulate over time RELATED | Google ↗ AI Mode ↗ | The user wants conceptual clarity on how monthly payments reduce principal versus interest. | — | web_article | factors influencing loan interest | 1x of 3 | |
formula for calculating total interest paid on a fixed rate loan REFORMULATION | Google ↗ AI Mode ↗ | The user seeks the exact mathematical equation for fixed-rate loan interest. | — | code_samples/docs | loan interest calculation formulas | 1x of 3 | |
estimate total interest 200000 loan 30 years REFORMULATION | Google ↗ AI Mode ↗ | The user wants a quick numerical estimate for a standard 30-year term loan of 200k. | — | faq_page | loan interest calculation examples | 1x of 3 | |
what is amortization and how does it affect interest IMPLICIT | Google ↗ AI Mode ↗ | The user needs foundational knowledge on how loan payments are split between principal and interest over time. | — | web_article | loan amortization schedules | 1x of 3 | |
does paying extra principal early reduce total lifetime interest significantly RELATED | Google ↗ AI Mode ↗ | The user wants to evaluate the impact of early extra payments on lifetime interest savings. | — | faq_page | strategies to reduce interest | 1x of 3 | |
personal loan vs mortgage interest comparison COMPARATIVE | Google ↗ AI Mode ↗ | The user wants to know if the type of loan changes the interest calculation method. | — | comparison_table | mortgage term length comparison | 1x of 3 | |
total interest on 15 year vs 30 year 200k loan COMPARATIVE | Google ↗ AI Mode ↗ | The user wants to compare how loan term length dramatically changes the cumulative interest paid on a 200,000 dollar loan. | — | comparison_table | mortgage term length comparison | 1x of 3 | |
what factors influence total loan interest costs IMPLICIT | Google ↗ AI Mode ↗ | The user wants to know all the variables that determine how much interest they will pay. | — | web_article | factors influencing loan interest | 1x of 3 | |
factors that change total loan interest costs IMPLICIT | Google ↗ AI Mode ↗ | The user wants to understand what variables influence the final lifetime interest amount. | — | checklist | factors influencing loan interest | 1x of 3 | |
15 year vs 30 year mortgage total interest paid difference COMPARATIVE | Google ↗ AI Mode ↗ | The user wants to see how loan term duration drastically alters total lifetime interest. | — | comparison_table | mortgage term length comparison | 1x of 3 | |
example calculation for 200k loan interest REFORMULATION | Google ↗ AI Mode ↗ | The user is looking for a concrete worked example with numbers to verify their own estimation process. | — | case_study | loan interest calculation examples | 1x of 3 | |
examples of total interest paid on 200k loan RELATED | Google ↗ AI Mode ↗ | The user wants to see practical numeric examples of lifetime interest calculations. | — | web_article | loan interest calculation examples | 1x of 3 | |
average interest rates historical data dataset ENTITY EXPANSION | Google ↗ AI Mode ↗ | The user wants raw data or datasets concerning historical and current market interest rates. | — | dataset | current market interest rates | 1x of 3 | |
how to lower total lifetime loan interest RELATED | Google ↗ AI Mode ↗ | The user wants actionable advice on reducing the total interest paid over the life of a loan. | — | how_to_steps | strategies to reduce interest | 1x of 3 | |
loan amortization schedule breakdown example RELATED | Google ↗ AI Mode ↗ | The user wants an example of a full amortization schedule to see periodic interest charges. | — | pdf_whitepaper | loan amortization schedules | 1x of 3 |
Passes
Does another pass still surface new queries? A flattening curve means the fan-out has stabilised.
Geminix = pass, y = cumulative unique queries
| Model | Pass | Target | Generated | Seconds | Tokens (in / out) | Notes |
|---|---|---|---|---|---|---|
| gemini-3.5-flash-lite | 1 | 12 | 12 | — | 919 / 1,391 | |
| gemini-3.5-flash-lite | 2 | 12 | 12 | — | 919 / 1,452 | |
| gemini-3.5-flash-lite | 3 | 10 | 10 | — | 919 / 1,335 |