The financial intelligence
layer your app is missing.
License the calculator engine and AI analysis behind CalcMoney. Give your customers institutional-grade modeling inside your own product, before a competitor captures them at the moment of decision.
The problem
Banks have a calculator problem.
Your customer is modeling a $750K decision
They open your app to explore a mortgage, a Roth conversion, a retirement drawdown. The stakes are six figures.
Your app shows a rate. Nothing else.
No scenario comparison. No tax modeling. No AI read on what the number means. The core-banking vendor tools stop at basic arithmetic.
A competitor captures the intent
So they leave for NerdWallet or a rate-table site, and a competing lender's ad meets them at the moment of peak intent.
The layer
90 calculators. One intelligence layer.
Not a rate widget. A modeling engine that synthesizes across calculators, reads the result back in plain language, and behaves the way your compliance team needs it to.
Full-spectrum modeling
Mortgage, refinance, ARM vs fixed, PMI, points. Capital gains, Roth conversion, estate, AMT. Portfolio, allocation, compound growth. Debt payoff, HELOC, balance transfer.
AI synthesis, not just math
Every result comes with a written analysis of what it means for that customer, the wedge no rate calculator has.
Pre-populated with real data
Feed in the customer's account balances and the modeling starts from their actual position, not blank inputs.
Compliance-configurable
Disclaimers, disclosures, and behavior configured to your institution's regulatory posture. SOC 2 Type II process underway.
Integration
Three ways to integrate.
API
Fintechs and neobanks with strong engineering
Call the calculation and AI-analysis engine directly. Your UI, our intelligence. Pass account data in, get modeled scenarios and a written analysis back.
- ✓REST endpoints per calculator
- ✓Streaming AI insight responses
- ✓Your design system, your app
SDK / Embed
Regional banks and credit unions
Drop-in components that render inside your existing app. Themed to your brand, configured for your products and your compliance posture.
- ✓Prebuilt calculator components
- ✓Brand + theme configuration
- ✓Compliance-configurable behavior
White Label
Institutions that want the full surface
The entire CalcMoney experience under your domain and brand. Calculators, AI analysis, and programmatic content, operated as your own.
- ✓Full experience on your domain
- ✓Your brand end to end
- ✓Managed hosting and updates
Why us
Why now
Open banking is opening the account data.
CFPB 1033 gives customers the right to share their financial data. The institutions that turn that data into intelligent modeling, not just dashboards, keep customers at the moment of decision. The ones that don't hand that moment to whoever ranks in search. CalcMoney is the layer that turns account data into a modeled answer.
Book a pilot.
Tell us your product and integration model. We'll scope a working pilot and share an API integration timeline.
hello@calcmoney.io →Confidential. Prepared per institution.