CalcAssist is a free collection of insurance and mortgage calculators built for one purpose: to give you a straight answer to a money question without asking for your email address, your phone number, or a “free consultation.”
Why we built this
Most online calculators sit behind a lead form. You fill in your numbers, and instead of a result you get a sales call. Others show a figure with no explanation of where it came from, so you have no way to judge whether it is reasonable.
We wanted the opposite: open the page, enter your numbers, see the result, and read exactly how we got there. No signup, no email gate, no hidden fees.
How our calculators work
Every calculator on this site uses the standard formulas used across the mortgage and insurance industries:
- Mortgage and refinance — the standard amortization formula, including principal, interest, property taxes, homeowners insurance, and HOA dues where applicable.
- Affordability — the 28/36 debt-to-income guideline used by most US lenders, with your down payment and current debts applied.
- Term life — the DIME method (Debt, Income, Mortgage, Education), a widely used way to estimate coverage.
- Auto and home insurance — national and state average premium data, adjusted for the factors that move rates most: age, vehicle or home value, location, and coverage level.
Each calculator page explains the inputs, the assumptions, and the limits of the estimate, so you can decide how much weight to give the number.
What we are not
CalcAssist is an educational tool, not a financial advisor, insurance broker, or lender. Our results are estimates based on general data and standard formulas. Your actual rate, premium, or loan terms will depend on your full financial picture and on the specific provider you work with. For decisions that matter, talk to a licensed professional in your state.
Contact
Questions, corrections, or a calculator you would like us to build? Email us at info@dhyyanalux.com. We read every message.