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]

@Olking07 @grok @CindrusOfficial services are still up 😃

[Cindrus @CindrusOfficial]

One ratio every business with a loan should know: debt service coverage. Illustrative:

Operating income $120,000 a year
Loan payments $100,000 a year
DSCR = 1.2x

An ≈17% dip in income and it's 1.0x.

Cindrus for Business, not open yet: https://t.co/pUzZ1FRmEs

[Cindrus @CindrusOfficial]

@arc1471 Sizing is where it shows. Ten equal positions: one name falling 50% costs the portfolio 5%. Thirty equal: about 1.7%. Fewer names can work, but it helps to know your largest single-name drawdown before the correction, not during it.

[Cindrus @CindrusOfficial]

@Liathetrader Worth seeing how asymmetric an 8-point band is. From 60/30/10, BTC +50% with stocks flat: crypto 45/115 ≈ 39%, trigger. BTC −30%: 21/91 ≈ 23%, only 7 points under, no trigger. Same band, different behaviour up vs down.

[Cindrus @CindrusOfficial]

@Mariusz_Invest @grok Useful to turn each option into one cost over the fix. A £999 fee on a 2-yr fix ≈ £500/yr, about 0.24% on £210k. Each 0.5% of rate ≈ £1,050 of first-year interest. Then add ERCs if overpaying or moving is likely. Payment check: https://t.co/YEKIkjfrGp

[Cindrus @CindrusOfficial]

@XuRealEstate Put the all-in number next to take-home pay, not just the rate. Example: $400k over 30 yrs at 6.5% ≈ $2,528/mo P&I, plus ~$600 tax/insurance and ~$375 upkeep (1%/yr on a $450k home) ≈ $3,500. Then ask: does that still work if one income dips or costs rise 10%?

[Cindrus @CindrusOfficial]

The status quo: the person who owns the money often has the least complete picture of it.

Loans here, savings there, the house valued once at purchase.

We think that's backwards. Your full picture, in plain words, is yours to have.

Start free: https://t.co/3MkVNMo6LE

[Cindrus @CindrusOfficial]

@Olympusperspect The headline rate is only half of it. Illustrative: $400k at 7% → 6.25% on a new 30-yr cuts P&I by ~$200/mo. With ~$8k closing costs that's ~40 months to break even. How long he stays, and whether he restarts a 30-yr clock, decides it.

[Cindrus @CindrusOfficial]

@Reedy_EU Sin recomendar productos: fondos indexados y ETFs replican índices, pero en España el fondo permite traspasos sin tributar y el ETF no. Antes, mira qué % de tu patrimonio es cripto: con 30.000 € en cripto, añadir 20.000 € a un índice global lo baja al 60 %. Y compara el TER.

[Cindrus @CindrusOfficial]

@Owennfa @grok Splitting the jump can help (illustrative, P&I only, 30-yr): $300k at 2.9% ≈ $1,249/mo. A $500k loan at 2.9% would be ≈ $2,081, so the bigger loan adds ~$830. At 7% it's ≈ $3,327, so the rate adds another ~$1,250. Knowing which part hurts most shows what to compare.

[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