=== CalcuLoan – AI Guided Chat Loan Calculator for WordPress ===
Contributors: bedebanks
Tags: loan calculator, calculator, finance, lead generation, ai chatbot
Requires at least: 5.8
Tested up to: 7.0
Requires PHP: 7.4
Stable tag: 1.8.3
License: GPLv2 or later
License URI: https://www.gnu.org/licenses/gpl-2.0.html

AI-guided chat-style loan calculator for WordPress with loan estimates, lead capture, analytics, and flexible customization.

== Description ==

CalcuLoan is a modern AI-guided loan calculator plugin for WordPress that helps lenders, finance businesses, microfinance organizations, mortgage providers, cooperatives, fintech startups, and financial advisors provide interactive loan calculations directly on their websites.

Unlike traditional static calculators, CalcuLoan delivers a conversational, chat-style experience that guides visitors step-by-step through loan calculations, repayment estimates, monthly installment checks, loan affordability insights, and borrowing decisions.

== Key Features ==

* AI-inspired chat calculator experience
* Modern conversational loan journey
* Personal, business, salary, asset, and school fees loan calculations
* Custom loan products
* Flexible interest calculations
* Monthly repayment estimates
* Responsive mobile-friendly interface
* Real-time calculation results
* Admin dashboard overview
* Calculation history tracking
* Basic analytics and activity insights
* Country and currency customization
* Flexible proceed actions
* Privacy-conscious settings
* Shortcode support
* Lightweight and fast

== Shortcodes ==

* `[calculoan]`
* `[calculoan_calculator]`
* `[calculoan_results]`

== Screenshots ==

1. Frontend chat calculator – A modern AI-guided loan calculator experience for visitors.
2. Admin dashboard – Real-time overview of calculations, proceed clicks, average loan amount, and conversion rate.
3. Settings page – Configure currency, countries, loan products, proceed actions, and conversation defaults.
4. Analytics page – Review calculation trends, popular loan types, requested durations, and activity metrics.
5. Additional settings page – Manage appearance, privacy, shortcodes, and uninstall behavior.

== Installation ==

1. Upload the plugin folder to the `/wp-content/plugins/` directory.
2. Activate CalcuLoan through the WordPress Plugins screen.
3. Go to the CalcuLoan menu in your WordPress dashboard.
4. Configure your loan products, currency, country, and calculator settings.
5. Add the `[calculoan]` shortcode to any page or post.

== Frequently Asked Questions ==

= Does CalcuLoan require an AI API or external AI service? =

No. CalcuLoan works independently and does not require an external AI API.

= Is the calculator chat-styled? =

Yes. CalcuLoan presents the loan journey in a guided, conversational format.

= Can I customize loan types? =

Yes. You can configure custom loan products and categories.

= Can I change the country and currency? =

Yes. CalcuLoan includes country and currency configuration options.

= Does CalcuLoan work on mobile devices? =

Yes. The frontend calculator is responsive.

= Does the free version require a license key? =

No. The free/core plugin is fully functional as a standalone plugin and does not require a license key, time limit, quota, or restricted built-in feature.

== About CalcuLoan Pro ==

CalcuLoan Pro is available as a completely separate plugin for site owners who need additional business-focused tools.

Pro features may include:

* Advanced lead management
* Advanced reports and exports
* Enhanced analytics
* Additional loan workflows
* Floating calculator widget
* Extended customization options
* More business automation options

The free/core version remains fully functional and can be used independently without requiring the Pro plugin.

Learn more:

https://plugins.entitude.com/plugins/calculoan

== Privacy ==

CalcuLoan does not connect to external services by default.

Any external URL configured by a site administrator, such as a proceed or redirect URL, is controlled by the website owner and is only used for the configured visitor action.

== External Services ==

This free/core version does not require an external service to calculate loans or display the calculator.

== Changelog ==

= 1.8.3 =
* Version bump for WordPress.org submission package.
* Confirmed readme metadata, stable tag, and plugin version consistency.
* Maintained onboarding navigation and setup skip improvements.

= 1.8.2 =
* Fixed onboarding wizard navigation behavior.
* Added Skip Setup option to the first-time setup wizard.
* Prevented onboarding wizard from blocking access to the WordPress admin area.
* Wizard now only reappears when accessing CalcuLoan pages until completed or skipped.
* Updated readme.txt with five WordPress.org tags only.
* Updated short description to remain under 150 characters.
* Updated all stable tag and version references to 1.8.2.

= 1.8.1 =
* Restored original onboarding wizard layout and welcome screen.
* Fixed onboarding step progression and navigation flow.
* Preserved existing wizard UI design while improving reliability.

= 1.8.0 =
* Fixed onboarding wizard 404 error when clicking Next on the currency selection step.
* Corrected malformed form submission handling in the setup wizard.
* Improved nonce validation and admin-post processing.

== Upgrade Notice ==

= 1.8.2 =
Updated WordPress.org metadata, readme details, and onboarding wizard behavior.
