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Make smarter
financial decisions

Beautiful, detailed calculators for the biggest purchases of your life. Visualise loans, model scenarios, and understand the true cost before you sign.

5 tabs
per calculator
Scenarios to compare
0
Ads or tracking
100%
Runs in browser
Amortisation Schedule
Depreciation Curves
True Cost of Ownership
Extra Payment Savings
Debt-to-Income Ratios
Scenario Comparison
Rate Sensitivity Table
Upfront Fee Modelling
Underwater Loan Detection
Cost per Kilometre
Amortisation Schedule
Depreciation Curves
True Cost of Ownership
Extra Payment Savings
Debt-to-Income Ratios
Scenario Comparison
Rate Sensitivity Table
Upfront Fee Modelling
Underwater Loan Detection
Cost per Kilometre
Calculators

Pick your calculator

Why CalmTheCash

Built for real decisions

📊
Interactive Charts

Every calculation renders live charts — balance curves, breakdowns, equity build-up, and depreciation overlays.

Instant Recalculation

Every input updates results in real time. Drag a slider and watch your payoff date and interest change immediately.

🔀
Scenario Comparison

Compare up to four mortgage scenarios side by side — different rates, loan amounts, and terms on one chart.

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100% Private

Everything runs locally in your browser. No data is ever sent anywhere. No accounts, no tracking, no cookies.

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True Cost Breakdown

Go beyond the monthly payment. Model insurance, fuel, taxes, fees, and depreciation to get the real number.

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Works Everywhere

Fully responsive across desktop, tablet, and mobile. No app download needed — just open and calculate.