Product — CalcStudio

Decision calculators. We start a conversation with a client who wants to talk to you.

CalcStudio gives you the calculators. CalcStudio Growth turns them into decision calculators — tools that frame the gap between where a client is and where they want to be, and let them move the numbers until it closes. They see what is at stake and ask to speak to someone. You pick up a conversation that is already underway.

Example client report — MyRateCheck

Ian's personalised mortgage savings check

Client asked to be contacted

Your results

You could save up to $94,807 and pay your mortgage off 2 yr 5 mo sooner.

Loan $500,000 · TSB Bank · 5.49% · 240 months remaining · LVR 45.0% · cashback modelled at 1.0% of loan less $1,500 legal fee.

Your loan today

Current rate: 5.49%
What you actually pay: $3,467 / month
Total interest: $319,007
Payoff time: 19 yr 9 mo

Keep paying your current amount

Panel rate + cashback: 4.59% + $3,500
What you actually pay: $3,467 / month
Total interest: $224,200
Payoff time: 17 yr 4 mo

Loan balance over time

10y

15y

20y

Your loan today Lower rate, same payment

“Thanks Ian — your personalised report is ready. An adviser will be in touch.”

That is the moment the calculator hands over. The adviser picks up a client who has already seen their own numbers, knows what is at stake and has asked for the call.

Illustration only, based on the assumptions entered. General information, not financial advice. Actual outcomes depend on lender assessment, break costs and personal circumstances.

Demo

What a qualified enquiry actually looks like.

A lead here is not a name and an email address. It is the calculator they used, the numbers they entered, the result they saw, what they told us, and how they arrived.

calcstudio.riverhorse.io / qualified enquiries

Try it

Click a name on the left to look inside a real enquiry.

New enquiries · this week

← Click any name to see everything that came with it.

Sarah & Tom Whitely

Mortgage review · fixed rate rolls in 34 days

$8,240 potential saving

Mortgage Review Calculator

s.whitely@example.co.nz021 448 902Weekday evenings after 6pm

What they entered

Loan balance: $612,000
Current rate: 6.79%
Remaining term: 24 years
Fixed expiry: 34 days

$8,240 potential saving

Over the next fixed term, on the assumptions entered.

What they told you

Property type: Owner occupied
Also holds: Investment property
Looking to: Refix and consolidate a personal loan
Timeframe: Within the next month

How the conversation started

1Opened 'Is your rate still right?' email campaign
2Completed the Mortgage Review calculator (3m 12s)
3Downloaded the branded results report
4Requested a call and picked a time

Suggested opening: They already know their number. Open with the $8,240 illustration and the 34-day expiry.

Illustrative demo with sample data. Calculator outputs are illustrations based on the assumptions entered and are not financial advice.

The decision calculator library

Each decision calculator is built around a conversation, not a number.

A calculator that spits out a figure is wallpaper. A decision calculator shows the gap and lets someone play with it — which is the version independent trials found actually changes what people do next. Every one is designed to end in a client who wants to talk. All results are illustrations based on the assumptions entered — general information and education only, not financial advice. Financial services is our deepest specialism, and the same mechanism works in any sector where a decision has figures attached.

Mortgage Review

Illustrates whether a client mortgage position may warrant a review.

Refix, refinance, loan structure and review conversations

Cashback Refinance

Illustrates possible cashback and repayment differences using stated assumptions.

Refinance and lender review conversations

Offset Savings

Illustrates interest savings from offset balances and surplus cash.

Offset, account structure and savings behaviour conversations

Debt Consolidation

Illustrates repayment and cashflow differences from consolidating debts.

Debt review and affordability conversations

First Home / KiwiSaver

Illustrates deposit position and KiwiSaver contribution toward a first home.

First-home planning conversations

KiwiSaver Check-up

Shows factual review triggers and projection illustrations, without recommending a fund.

KiwiSaver review conversations

Borrowing Power Education

An educational borrowing-capacity illustration with no lender approval promises.

Budgeting and preparation conversations

Property Investor Cashflow

Illustrates cashflow, yield and sensitivity using entered assumptions.

Property investment finance conversations

Energy & Solar Payback

Illustrates payback period and running-cost change on a proposed install.

Solar, heating and home improvement conversations

Cost of Care Planner

Illustrates weekly cost, funding position and options over time.

Retirement village and rest home conversations

Vehicle & Asset Finance

Illustrates repayment, residual and total cost across finance terms.

Asset and equipment finance conversations

Bespoke calculator

Built to your product, your numbers and your market — for any sector where a decision has figures attached.

Whatever conversation your business needs to start

What is included

A campaign engine, not a template.

Calculator-led landing pages
Database reactivation campaigns
Mortgage review campaigns
Refinance and cashback campaigns
KiwiSaver check-up campaigns
Enquiry capture, follow-up and booking links
Monthly reporting on starts, completions, conversations and appointments
Runs alongside your existing adviser process

Activity target

20-40 calculator-led conversations per month

Depending on database size, website traffic and campaign activity. This is an activity target only — we do not guarantee approvals or settlements.

Talk through a campaign

Bespoke work

Bring us your idea and we will build the campaign around it.

We design dedicated, focused campaigns for a single business — a bespoke calculator built to your product and your numbers, the landing page and follow-up around it, and reporting on the conversations it creates. There is no menu to pick from. Tell us the concept or the client problem you want to open up, and we will shape it with you.