We introduce a new numerical model developed to assist with Data Interpretation and Numerical Analysis of ionospheric Missions and Observations (DINAMO). DINAMO derives the ionospheric electrostatic potential at low- and mid-latitudes from a two-dimensional dynamo equation and user-specified inputs for the state of the ionosphere and thermosphere (I–T) system. The potential is used to specify the electric fields and associated F-region E × B plasma drifts. Most of the model was written in Python to facilitate the setup of numerical experiments and to engage students in numerical modeling applied to space sciences. Here, we illustrate applications and results of DINAMO in two different analyses. First, DINAMO is used to assess the ability of widely used I–T climatological models (IRI-2016, NRLMSISE-00, and HWM14), when used as drivers, to produce a realistic representation of the low-latitude electrodynamics. In order to evaluate the results, model E × B drifts are compared with observed climatology of the drifts derived from long-term observations made by the Jicamarca incoherent scatter radar. We found that the climatological I–T models are able to drive many of the features of the plasma drifts including the diurnal, seasonal, altitudinal and solar cycle variability. We also identified discrepancies between modeled and observed drifts under certain conditions. This is, in particular, the case of vertical equatorial plasma drifts during low solar flux conditions, which were attributed to a poor specification of the E-region neutral wind dynamo. DINAMO is then used to quantify the impact of meridional currents on the morphology of F-region zonal plasma drifts. Analytic representations of the equatorial drifts are commonly used to interpret observations. These representations, however, commonly ignore contributions from meridional currents. Using DINAMO we show that that these currents can modify zonal plasma drifts by up to ~ 16 m/s in the bottom-side post-sunset F-region, and up to ~ 10 m/s between 0700 and 1000 LT for altitudes above 500 km. Finally, DINAMO results show the relationship between the pre-reversal enhancement (PRE) of the vertical drifts and the vertical shear in the zonal plasma drifts with implications for equatorial spread F.