Cindrus

See your loans, assets and net worth in one place, in any currency. Cindra explains the numbers. 43 calculator sites, 17 countries. Not a bank or adviser.

[Cindrus @CindrusOfficial]

@ramit The number they forgot is the biggest one: $696K of the $739K debt is the mortgage. Fixed costs at 230% of take-home means about $2.30 goes out for every $1 that comes in, so the gap is probably on those cards. A 5-year plan starts with one list: every debt, rate and payment.

[Cindrus @CindrusOfficial]

@FIREdPradeep Makes sense. Spreading it out means the order matters too: units already past their exit-load window, and lots with the smallest gains, usually cost least to move first. Tracking how much overlap is left after each switch shows when you're done.

[Cindrus @CindrusOfficial]

Update from the Australian market 🇦🇺

Why borrowing power is lower than you expect. Illustrative:

A$600,000 over 30 years
At 6%: ≈ A$3,597 a month
Tested at 9% (rate + an assumed 3-point buffer): ≈ A$4,828

Lenders size the loan on the second number.

https://t.co/jo9Jw3OcAA

[Cindrus @CindrusOfficial]

¿Banco o bróker hipotecario en España? https://t.co/4YbUktoUFo y https://t.co/oIcH0wVqc9, calculadoras gratuitas de Cindrus, tienen un único espacio «Patrocinado», bien identificado y separado de los resultados neutrales. Pagar nunca altera los cálculos. https://t.co/lLjCzdtECx

[Cindrus @CindrusOfficial]

🇸🇪

Räntan, ränteavdraget och amorteringen är tre olika siffror.

Sedan 1 april 2026: bolånetak 90 % och inget skärpt amorteringskrav. Kvar: 2 % över 70 % belåningsgrad, 1 % mellan 50 och 70 %.

[Cindrus @CindrusOfficial]

Update from the Swedish market 🇸🇪

Interest, the interest deduction and amortisation are three different numbers.

Since 1 April 2026: a 90% mortgage cap and no stricter amortisation requirement. Still: 2% above 70% LTV, 1% from 50 to 70%.

Run yours: https://t.co/Kp43tN6hvC

[Cindrus @CindrusOfficial]

A net worth statement in one screen: assets, debts, each currency converted, and your net worth.

Do it once in a free Cindrus account and it's there next month too: https://t.co/lZ8rMUiPqe

[Cindrus @CindrusOfficial]

@WOLF_Financial Good example. Inflation makes it land too: at ~2.5% a year over 30 years, that ~$176k gap is still ~$84k in today's money, all from a 0.95-point fee difference. Worth checking any platform or advice fee on top of the expense ratio, since it compounds the same way.

[Cindrus @CindrusOfficial]

@kamikazecash Framing: Option 1 is a known ~$9,190/yr (150k × 6.125%) of interest not paid, no volatility. Option 2's ~3% yield is ~$4,500/yr before tax, so it needs ~3.1%+ a year of price growth to match, with drawdown risk. Prepaid principal is hard to get back. https://t.co/YSbYcv9Mtt

[Cindrus @CindrusOfficial]

@indexnforgetit Worth separating cash flow from return: of the ~$3,600/yr freed up, only ~$1,220 (2.9% × $42k) is interest saved. The other ~$2,380 is principal you were already paying into your own equity. So the return is ~2.9%; the real gain is cash flow and lower risk.

[Cindrus @CindrusOfficial]

Update from the US market 🇺🇸

A HELOC has two payments, not one. Illustrative:

$50,000 drawn at 8.5%
Draw period, interest-only: ≈ $354 a month
Repayment over 20 years: ≈ $434 a month

Same balance, same rate. ≈ $80 more once repayment starts.

https://t.co/1eV5jUicUs

[Cindrus @CindrusOfficial]

@William39131362 Illustrative: at a 4.5% mortgage rate, £800 overpaid saves ~£36 interest in year one, more over the term. Guaranteed but locked in the house; an ISA can grow more or less and stays reachable. Worth checking your cash buffer and any overpayment limit or early repayment charge.

[Cindrus @CindrusOfficial]

@b_brito Not a view on either stock, just the exposure: $280k in two names is ~90% of his $310k. If both fell 40% at once, that's about -$112k, roughly 3.7x his cash. Before adding more, it helps to see what share of total net worth sits in one sector.

[Cindrus @CindrusOfficial]

@MoneyHacks16 The maths roughly holds (illustrative, not a forecast): £500/month for 30 years at 10% a year ≈ £1.03M, of which £180k is your own money. A 1% annual fee cuts it to ~£835k, and at 2.5% inflation £1.03M is ~£490k in today's money. https://t.co/YSbYcv9Mtt

[Cindrus @CindrusOfficial]

@bydcabrera Números ilustrativos: una hipoteca de 100.000 € a 25 años al 3 % sale por unos 474 €/mes; al 3,5 %, ~501 €. Frente a 800 € de alquiler, pero suma IBI, comunidad, seguro, reformas y los impuestos de comprar sus partes. El préstamo sería ~67 % del valor del piso.

[Cindrus @CindrusOfficial]

@jbfinancebull Thanks! That split is the part people often miss: in a strong year market growth can look like saving, and in a weak year it can hide how much you actually put in. Do you track the two separately?

[Cindrus @CindrusOfficial]

Net worth up $50,000 this year. How much came from the market? Illustrative:

Start: $200,000
End: $250,000
Added from income: $30,000

Market and value changes: $20,000.

Two sources of growth. Worth knowing which is which: https://t.co/YSbYcv9eDV

[Cindrus @CindrusOfficial]

The price on the windscreen isn't the price of the car. Illustrative:

$30,000 car loan at 7% over 5 years
≈ $594 a month
≈ $5,642 in interest

Add the car as an asset and the loan as debt, and see what it does to your net worth: https://t.co/NBymbItTIL

[Cindrus @CindrusOfficial]

🇩🇰

Lavere ydelse er ikke det samme som en besparelse.

Før du lægger om: kig på restgæld, kursværdi, omkostninger og hvor længe det tager at tjene dem hjem.

I Danmark tjekker Cindrus dagligt din rente mod markedet (betalte pakker).

[Cindrus @CindrusOfficial]

Update from the Danish market 🇩🇰

A lower payment isn't the same as a saving.

Before you refinance, check the remaining debt, market value, costs and how long it takes to earn them back.

Cindrus checks your rate against the market daily (paid plans): https://t.co/aitpfUsMbl