Built for the conversation
A useful answer should help someone understand their options and know what to discuss next.
About CalcStudio
White-label financial calculators, built for better client conversations
CalcStudio is a Riverhorse Technologies product that helps advisers, brokers and client-facing businesses explain the numbers clearly, online or in the room.
Product family
Riverhorse Technologies
Designed and operated by Riverhorse
View CalcStudio at Riverhorse TechnologiesCalcStudio
Professional financial calculators for clearer decisions and stronger client conversations.
BrandedEmbeddableMaintained
Our place in Riverhorse
A focused calculator product from a technology company built around useful client outcomes
Riverhorse Technologies Limited designs, owns and operates practical digital products for client-facing businesses. Financial services is its deepest specialism, where a clear illustration can turn a difficult set of numbers into a useful human conversation.
CalcStudio is the financial calculator platform in that product family. It brings professionally built calculator tools, website embeds and business branding into one maintained web experience.
About Riverhorse TechnologiesClear enough to trust
Inputs, assumptions and illustrations stay visible, so the result is easier to explain.
Simple enough to use
Focused tools replace spreadsheet friction with a calm, guided client experience.
One platform, three ways to use it
Use professional calculators without building calculator software
Start with the direct path that suits your business. Run a tool, share a link or add an embeddable calculator to the website you already have.
Use online
Run a calculator in the moment
Open CalcStudio in a client meeting or share a public calculator link so someone can explore the figures in their own time.
Browse calculatorsEmbed on your website
Add a calculator without rebuilding your site
Use a short embed code to place a loan, mortgage or budgeting calculator inside the page where your visitors already need it.
Add to my websiteWhite-label presentation
Make the experience feel like your business
Add your logo, colours, business details and disclaimer so the calculator belongs naturally in your client journey.
Create a free accountWho it is for
Built for professionals who make the numbers understandable
CalcStudio works best where a client has a financial decision to explore and a trusted professional ready to add context.
Designed in New Zealand for client-facing businesses
Mortgage brokers and advisers
Use loan repayment, offset mortgage, rent vs buy and bank rate comparison tools in New Zealand client conversations.
Financial advisers
Make trade-offs easier to understand with structured scenarios, clear assumptions and client-ready outputs.
Accountants
Give clients a practical starting point for budgeting, debt and cash-flow conversations on your website.
Insurance brokers
Use focused financial tools to add context to wider protection and affordability discussions.
Explore the library
Financial calculator tools you can use today
EnhancedMortgage
Best Deal Check
Am I on the best deal?
Compares your mortgage today with a switch to today's rate for your fixed term, plus an offset account working for you.
Shows: Your loan today against a switch to today's rate for your fixed term, and an optimal solution that keeps your repayment and puts the difference, cashback and everyday balance into an offset: interest and time saved, a comparison table and the balance over time.
BasicAll industries
Repayment Check
What will my repayments be?
Work out weekly, fortnightly or monthly repayments on any loan, plus the total interest and the date it is paid off.
Shows: Weekly, fortnightly or monthly repayments, total interest and the full schedule, with an interest-only period if you want one.
EnhancedMortgage
Offset Saver
Would an offset account clear my loan sooner?
Shows how savings held in an offset account cut interest and shorten the loan, compared with a standard fixed loan.
Shows: A standard loan against an offset loan at its own rate: the payoff date, the interest paid, and the difference over two and three years.
EnhancedMortgage
Rent or Buy?
Am I better off renting or buying?
Compares the long-term position of buying a home against renting and investing the difference.
Shows: Both paths year by year, and which leaves you with more at the end: the home's value or the renter's savings.
EnhancedMortgage
One Loan Check
Would one loan be cheaper than several?
Lists each debt and shows what one combined loan would cost each month compared with today.
Shows: Repayments and interest across every current debt, against a single consolidated loan, and the monthly difference.
EnhancedMortgage
Today's Best Rates
What are the banks charging today?
Each lender's lowest published home-loan rate for every fixed term, refreshed hourly, with the lowest in each term highlighted.
Shows: Published New Zealand home loan rates by lender and fixed term, with the lowest in each term marked.
Common questions
About the platform, embeds and custom calculators
Clear answers for teams comparing a free calculator, a website widget, a white-label tool or a custom build.
What is CalcStudio?+
CalcStudio is a financial calculator platform from Riverhorse Technologies. Businesses can use its calculators online, share them with clients and embed them into an existing website.
Can I embed a mortgage or loan calculator on my website?+
Yes. CalcStudio provides an embeddable calculator snippet for approved websites. You add the short code to the relevant page instead of building and maintaining the calculation software yourself.
Can the calculators use my branding?+
Yes. Your workspace can apply your logo, colours, business details and disclaimer, creating a white-label calculator experience that fits your financial website.
Is CalcStudio free or paid?+
The calculators on CalcStudio are free to try. Signed-out visitors get a preview, and a free account provides unlimited use. Putting them on your own website is a package, from $149 a year, with a 14-day free trial and no card to start.
Can CalcStudio capture leads from a calculator?+
CalcStudio is designed to support useful next steps and better client conversations. Built-in lead capture is not part of the current calculator experience, so an embed can sit beside your existing enquiry or booking form.
Does CalcStudio provide a financial calculator API?+
CalcStudio currently provides supported website embeds rather than a public calculator API. The embed keeps setup simple and lets Riverhorse maintain the calculator experience and calculation logic.
Can Riverhorse build a custom financial calculator?+
If the calculator you need is not in the current library, send the team your idea. Riverhorse can assess the use case and discuss whether it should become part of CalcStudio.
Start with a real calculator
Put better financial tools in front of your clients
Explore the current range for free, or tell the Riverhorse team about the calculator your business needs.