Dimension scores are derived from public data and fields; weighted into the composite. Reference only.
RealityMath is a free financial calculator platform that aims to help users make real-world financial decisions through “transparent, verifiable, independent” mathematical models. It is not positioned as a licensed financial advisor, lender, or investment advice platform, but rather as an educational simulation tool based on user inputs and public economic data.
The platform covers three main areas: housing, cars, and personal planning. For housing, it includes tools such as rent vs. buy total wealth comparison, home affordability, mortgage prepayment, refinancing break-even analysis, and rent-buy break-even timelines. For cars, it offers total cost of ownership, car affordability, car sharing vs. owning, and leasing vs. ownership comparisons. For planning, it includes debt payoff, savings goals, monthly budgeting, investment property vs. stocks, retirement blueprint, salary reality checks, and more. The site also mentions annual breakdown tables, and some scenarios can be exported as CSV files for further analysis in Excel or Google Sheets.
The page clearly emphasizes “Free Financial Calculators,” but it does not disclose subscription plans, enterprise editions, payment methods, or trial mechanisms. From a SaaS/enterprise software perspective, RealityMath provides limited information on business-oriented capabilities: there is no visible mention of team collaboration, role-based permissions, SSO, audit logs, APIs, Webhooks, SDKs, or self-hosted deployment. The terms of service only state that users must protect their account credentials and that the service may be used for personal or internal professional analysis.
The platform uses analytics tools such as Google Analytics, Hotjar, and Ahrefs, stating that these are used to improve the user experience and that aggregated anonymous data is collected and not sold as personal data. However, the text does not provide details on encryption, data residency, SOC 2, ISO 27001, GDPR, or other compliance measures. In terms of business integrations, CSV export is the only capability currently visible; there is no information about integrations with banks, accounting systems, or financial management software.
Its strengths are that it is free, transparent about assumptions, opposed to hidden formulas, and incorporates factors such as depreciation, maintenance, taxes, opportunity cost, and inflation into its models. It is suitable for individuals running scenario analysis before making decisions about buying a home, owning a car, managing debt, or planning for retirement. The downsides are that the results do not constitute advice, and the models may contain errors or omissions. In addition, many assumptions are geared toward Canadian scenarios, such as Canadian lending standards, CPP/OAS, and certain local car-sharing services, so users in China or other markets should adjust the inputs carefully.
The text does not provide information on access from mainland China, so availability is unknown. There is also no payment information, as no paid pricing has been disclosed. If you need localized financial parameters, Chinese-language support, or enterprise-grade permissions/APIs, you may consider building your own model in Excel/Google Sheets, or using calculators provided by local banks, brokerages, or wealth management platforms as alternatives.
⚠ This review is compiled from public sources and does not constitute a purchase recommendation. Verify all facts on the vendor's official site. Verify on realitymath.com official site.
realitymath.com is an United States SaaS provider. TG4G tracks its product information, an overall rating of 6.0/10, and a China-accessibility score of China direct-connect friendly. Click "Visit Official Site" to reach realitymath.com directly.