About sum.money

sum.money is a free financial calculator platform built for real financial decisions — not toy demos.

What we do

We build calculators that reflect how financial products actually work in each country. A US mortgage calculator knows about PMI, property tax escrow, and 30-year fixed rates. A German Hypothekenrechner handles Zinsbindung and Sondertilgung. A Russian ипотека calculator includes маткапитал. These aren't translations — they're different financial products built from scratch.

How it works

• 100% client-side. Every calculation runs in your browser. Nothing is sent to a server.
• No registration. No accounts, no sign-ups, no email collection.
• No cookies. We don't track you. We don't use analytics. We don't fingerprint your browser.
• Shareable URLs. Click "Share" and your exact scenario is encoded in the URL. Send it to your advisor, spouse, or friend.
• Embeddable. Every calculator has an embed code. Put it on your blog or course for free.

Markets

sum.money currently covers four markets:

• United States — mortgages, taxes, retirement, student loans, insurance, and more
• United Kingdom — mortgages, stamp duty, income tax, pensions, student loans, VAT
• Deutschland — Hypothek, Einkommensteuer, Gehalt, Kredit, Elterngeld, Kaufnebenkosten
• Россия — ипотека, НДФЛ, зарплата, вклады, кредиты, маткапитал, УСН

More markets are coming.

Open source

The project is on GitHub. Found a bug or want to suggest a calculator? Open an issue.