CalcXML
CalcXML (Financial Calculators Group, LLC) licenses a library of 100+ online financial calculators to banks, credit unions, insurance carriers, brokerages, and advisors via annual subscriptions, iframe/API embedding, and white-label integrations, with supporting FIST Score and Personalized Video products.
- Company typePrivate
- Founded1993
- HeadquartersSalt Lake City, United States
- Headcount1–10
- GTM typeB2B
- OfferingSoftware
What CalcXML does
CalcXML, operating as Financial Calculators Group, LLC, is a Salt Lake City-based financial technology provider that licenses a comprehensive library of online financial calculators to financial institutions, professional advisors, and individual consumers. Founded in 1993 and launched on the internet in partnership with Schwab in 1995 (claimed to be the first internet-based financial calculator), the company offers 100+ calculators spanning 13 personal-finance categories (Auto, Business, Cash Flow, College, Credit, Home & Mortgage, Insurance, Investment, Paycheck & Benefits, Qualified Plans, Retirement, Savings, and Taxation). Supporting products include the FIST Score (proprietary Financial Stability Score), Personalized Videos (data-driven video walkthroughs of calculator results), PlannerPortal (professional analytical/presentation tools), and Custom Calculators (bespoke builds). Delivery supports hosted iframe/embed, REST API web services, popup/new tab, and white-label integrations, with consumer traffic also serving as an SEO and lead-generation asset.
The business operates on a B2B annual subscription licensing model, with fees tiered by institutional client asset size — Tier 3 (banks/CUs <$1B assets) ranges $745–$6,335, Tier 2 (<$5B) $1,485–$12,625, and Tier 1 (>$5B) $2,475–$21,040 — for bundles of 5 to 50 calculators, with volume discounts of 10–15%. Add-on modules carry premiums of +25% (PDF export, lead capture, call-to-action), +33% (white-label), and +50% (Spanish language). Specially-priced 10/25/50 bundled packages address self-employed CPAs, planners, insurance agents, and mortgage brokers. FIST Score and Personalized Videos are quoted separately. Go-to-market is direct B2B sales ([email protected], 801-364-3604) supplemented by SEO/content marketing through a consumer portal and the Money Help Center content partnership; named enterprise customers include The Motley Fool, New York Life, Lincoln Financial, Progressive, Pacific Life, State Street, CIBC, CNN Business, and multiple credit unions.
The company is privately held, closely held with no parent or disclosed institutional ownership, has no funding rounds on record, and operates with 1–10 employees — a lean profile consistent with a mature, founder/owner-operated business sustained by subscription renewals across a 30-year client base rather than venture-style scaling.
CalcXML firmographics
Firmographics- Name
- CalcXML
- Legal name
- Financial Calculators Group, LLC
- Website
- https://calcxml.com
- Company type
- Private
- Founded year
- 1993
- Operating status
- Operating
- Headcount range
- 1–10 employees
- Short description
- CalcXML (Financial Calculators Group, LLC) licenses a library of 100+ online financial calculators to banks, credit unions, insurance carriers, brokerages, and advisors via annual subscriptions, iframe/API embedding, and white-label integrations, with supporting FIST Score and Personalized Video products.
- Ownership category
- akta.pro rank
CalcXML industry classification
Industry- Product category
- Financial Planning Software
- SIC
- Finance Services (6199)
- akta.pro primary industry
- Personal Financial Management & Budgeting (PFM) (FSAGAAAH)
- akta.pro secondary industries
- Net Worth & Personal Balance Sheet Tracking (FSAGADAF), Debt Management & Paydown (Student Loans, Credit Cards) (FSAGADAD)
Keywords
Where CalcXML is headquartered
LocationHeadquarters
- HQ city
- Salt Lake City
- HQ country
- United States
- HQ region
- North America
Offices1 record
Markets served
CalcXML business model
Business model- GTM type
- B2B
- Offering type
- Software
- Cost components
- Technology or R&D, Personnel, Marketing or Sales, Operations, Infrastructure
Revenue model
- Calculator Licensing (Subscription-based): Annual license fees for financial calculators based on number of calculators and tier (institution asset size). Pricing ranges from $745/year for 5 calculators (Tier 3) up to $21,040/year for 50 calculators (Tier 1). Volume discounts apply: 10% discount for 25+ calculators, 15% for 50 calculators.
- Add-on Features: Additional features including PDF export (25% of base price), white-label branding (33%), lead generation capture (25%), call to action functionality (25%), and Spanish language support (50%).
- Integration Services: REST API web services integration option in addition to standard hosted iframe/embed solutions. Pricing for API integration included in tier licensing.
- FIST Score Licensing: Financial Stability Score product licensed to financial institutions. Pricing described on separate FIST website (fistscore.com).
- Personalized Video Production: Per-project quoted pricing for personalized video creation using calculator input/output data. Contact sales for quotes.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Annual | Tier 3: Banks/CUs <$1B Assets - Entry-level pricing for smaller financial institutions |
| Subscription | Annual | Tier 2: Banks/CUs <$5B Assets - Mid-tier pricing for mid-size financial institutions |
| Subscription | Annual | Tier 1: Banks/CUs >$5B Assets - Premium pricing for large financial institutions |
| Subscription | Annual | Add-ons: PDF, White-label, Lead Gen, Call to Action, Spanish |
| Subscription | Annual | FIST Score and Personalized Videos - Custom quoted pricing |
Go-to-market motion1 record
Distribution channels4 records
Marketing channels4 records
CalcXML product offering
Product offeringCore offering
CalcXML licenses a comprehensive library of hundreds of online financial calculators to financial institutions (banks, credit unions, insurance companies, brokerages) for embedding on their websites via iframe, REST API, or white-label. The calculators span 13+ personal finance domains including auto, mortgage, retirement, investment, insurance, college, credit, and taxation, and are complemented by proprietary offerings such as the FIST Financial Stability Score, personalized video walkthroughs of calculator results, and PlannerPortal for financial professionals.
Product overview
CalcXML operates as a financial technology platform offering a comprehensive suite of financial calculation tools. The core product is its Financial Calculators library, which spans over 100 calculators across 13 categories (Auto, Business, Cash Flow, College, Credit, Home & Mortgage, Insurance, Investment, Paycheck & Benefits, Qualified Plans, Retirement, Savings, and Taxation). These are available in three tiers: Consumer-facing, Financial Advisor, and Custom enterprise solutions. Supporting products include the FIST Score (a financial health assessment), Personalized Videos (a conversion-enhancing add-on using calculator results data), and Planner Portal (an analytical tool for financial professionals). The platform supports multiple integration methods including iframe/embed and REST API web services.
Differentiator
Problem solved
Functional benefit
Brands
- FIST Score: Financial Stability Score - a tool that helps gauge financial health beyond just credit scores
- PlannerPortal
- Personalized Videos
Products and services
- Financial Calculators Hundreds of online financial calculators covering 13+ categories (Auto, Business, Cash Flow, College, Credit, Home & Mortgage, Insurance, Investment, Paycheck & Benefits, Qualified Plans, Retirement, Savings, Taxation). Offered as consumer-facing free calculators, financial-advisor calculators, and custom enterprise solutions licensed to banks, credit unions, insurance carriers, and brokerages.
- FIST Score (Financial Stability Score) Proprietary Financial Stability Score that gauges overall financial health beyond credit scores, helping users and financial institutions pinpoint areas of concern in overall financial wellness. Available for consumers and as a licensable product for financial institutions.
- Personalized Videos Dynamic video generation add-on that uses a user's actual calculator input and result data to walk through personalized financial outcomes, designed to increase conversion rates for financial institution clients. Per-project quoted pricing.
- PlannerPortal Online analytical and presentation platform that gives financial professionals the ability to analyze diverse, complex financial concepts and clearly communicate alternatives and solutions to clients.
- Custom Calculators Bespoke calculator solutions built to specification for financial institutions requiring specialized or proprietary calculation functionality beyond the standard library.
Companies that use CalcXML
Customer profileNamed customers25 records
Segments4 records
Ideal customer profiles4 records
CalcXML technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- Yes
- API docs
- API detail
Core technology
AI maturity
App detail
Feature4 records
CalcXML partnerships and signals
Strategic signalPartnerships
Two partnerships are on record, tiered flagship and core.
- SchwabflagshipFirst to put a financial calculator on the internet in 1995 with Schwab. This first-mover partnership established CalcXML as a pioneer in online financial calculation tools.
- FIST ScorecoreRelated product entity (fistscore.com) offering the FIST Financial Stability Score. CalcXML powers the underlying calculations for this financial wellness assessment tool.
Scale indicators3 records
Recent moves6 records
Expansion highlights5 records
CalcXML competitors and assessment
Company assessmentDirect peers
- Banzai: Provides financial education and interactive calculators licensed to banks and credit unions for direct member/customer engagement. Operates in the same B2B financial institution embedded-tools market as CalcXML.
- SmartAsset: Operates a consumer-facing financial calculator platform and offers licensed/advisor matching tools to financial institutions — direct overlap with CalcXML's calculator library and FI distribution model.
- LendingTree: Operates extensive mortgage, loan, and refinance calculators on its consumer platform and licenses comparable tools to bank/credit union partners — direct overlap on mortgage and consumer lending calculators.
- ValuePenguin: LendingTree-owned personal finance calculator and comparison site covering insurance, banking, and credit — competes with CalcXML on both consumer SEO traffic and FI licensing.
- MoneyGuidePro: Provides financial planning and analytical tools to financial advisors and institutions. Mirrors CalcXML's PlannerPortal offering serving CPAs, planners, and insurance agents.
- WalletHub: Personal finance and credit wellness platform offering calculators, credit tools, and financial education to consumers and financial institution partners — overlapping with CalcXML's financial wellness positioning.
- NerdWallet: Major consumer financial calculator and content platform with strong SEO presence. Competes for the same consumer-side calculator traffic that drives CalcXML's organic reach.
- Bankrate: Long-standing financial calculator and rate comparison platform (owned by Red Ventures). Overlaps with CalcXML on consumer mortgage, credit card, and retirement calculators.
- The Zebra: Insurance comparison and calculator platform providing rate and coverage calculation tools to consumers and insurance carrier partners — overlapping with CalcXML's insurance calculator category.
Broad incumbents
- Yodlee: Broader financial data aggregation and PFM platform used by banks, including embedded financial wellness and planning tools. CalcXML complements Yodlee-powered apps rather than displaces them, but Yodlee is a strategic adjacency in the FI wellness stack.
Market position
Strengths4 records
Weaknesses4 records
Competitive moat5 records
Key risks5 records
Key highlights6 records
Customer concentration
CalcXML social profiles
Digital presenceCalcXML financial estimates
Financial estimateRevenue estimate
Valuation estimate
CalcXML leadership team
Management profileNumber of profiles
CalcXML funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
CalcXML M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about CalcXML
What does CalcXML do?
CalcXML licenses a comprehensive library of hundreds of online financial calculators to financial institutions (banks, credit unions, insurance companies, brokerages) for embedding on their websites via iframe, REST API, or white-label. The calculators span 13+ personal finance domains including auto, mortgage, retirement, investment, insurance, college, credit, and taxation, and are complemented by proprietary offerings such as the FIST Financial Stability Score, personalized video walkthroughs of calculator results, and PlannerPortal for financial professionals.
Is CalcXML a public or private company?
CalcXML is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was CalcXML founded?
CalcXML was founded in 1993. It employs 1 to 10 people.
Where is CalcXML based?
CalcXML is headquartered in Salt Lake City, United States, in the North America region.
How does CalcXML make money?
Five revenue lines are on record. Calculator Licensing (Subscription-based) is the primary driver. The others are add-on Features, integration Services, FIST Score Licensing and personalized Video Production.
Who are CalcXML's main competitors?
Direct peers on record are Banzai, SmartAsset, LendingTree, ValuePenguin, MoneyGuidePro, WalletHub, NerdWallet, Bankrate and The Zebra. Yodlee is listed as a broad incumbent.
Does CalcXML have an API?
Yes. CalcXML offers Web Services via REST API as an integration method for embedding calculators into client websites. The API enables financial institutions to integrate calculators through hosted iframe/embed solutions or direct web services calls. Implementation options include Embedded, IFrame, Popup/New Tab, and Web Services/API deployment methods.
What industry is CalcXML in?
CalcXML's product category is Financial Planning Software. Its primary akta.pro industry code is FSAGAAAH, Personal Financial Management & Budgeting (PFM), with a secondary code of FSAGADAF, Net Worth & Personal Balance Sheet Tracking. Its SIC code is 6199.