Free · No sign-up

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

Home Finance
🏠

Mortgage
Calculator

Model your home loan in full detail. Compare 30 vs 15-year terms, visualise extra payments, and see exactly how much interest you'll save.

Amortisation Chart Extra Payments Scenario Compare PITI Breakdown Rate Sensitivity DTI Ratios
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Auto Finance
🚗

Car Loan
Calculator

Beyond the monthly payment. See depreciation curves, model dealer fees, and calculate the true net cost of ownership over your loan term.

Depreciation Model Fees Builder True Cost Underwater Detection Value vs Loan Cost / km
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Housing Decision
🏘️

Rent vs Buy
Calculator

Find your break-even point and see which path builds more wealth. Model appreciation, invest the difference, and compare true outcomes over time.

Break-Even Point Wealth Comparison Invest the Diff Appreciation Model Rent Growth Portfolio Tracking
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Home Buying
🏡

Home Affordability
Calculator

Know your budget before you browse. Get your conservative and maximum home price based on income, DTI ratios, and all ongoing ownership costs.

28% Front-end DTI 43% Back-end DTI PMI Detection Tax & Insurance HOA Costs Affordability Gauge
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Investing
📈

Compound Interest
Calculator

See the real power of starting early. Model lump-sum + monthly contributions with a stacked area chart, yearly milestones, and inflation-adjusted returns.

Lump Sum + Monthly Growth Chart Yearly Milestones Real vs Nominal Rule of 72 Inflation Adjusted
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Debt Strategy
💳

Debt Payoff
Calculator

Snowball vs Avalanche — find your fastest and cheapest path to debt freedom. Add all your debts, set your budget, and see which strategy wins.

Snowball Method Avalanche Method Strategy Comparison Payoff Timeline Interest Saved Per-Debt Schedule
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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.

🛡️
No Account Needed

Everything runs locally in your browser. No sign-up required — just open a calculator and start.

💸
True Cost Breakdown

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

📱
Works Everywhere

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