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Know where you are. Understand your options. Know where to go.

Everything in Cindrus serves one of three steps: know where you are, understand your options, know where to go.

← Debt and loans
Mortgage · fixed 30 years
Balance
DKK 1,940,000
Monthly payment
DKK 10,010
excl. contribution
Rate
4.00%
Years left
26
Example data
CindraI explain your own figures.
What is my payment made of?
Your payment is DKK 10,010 per month. InterestDKK 6,467 PrincipalDKK 3,543 Worked out by Cindrus from your own figures — not guessed.
When will I be debt free? What is my net worth made of?
Know where you are

Every loan and asset in one calm overview.

Add your mortgage and other loans once. See your rates, payments, remaining balance and net worth in one place.

Overview Debt and loans Assets Calculators
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Example data
Good morning
Your financial position
Net worth
DKK 1,316,000
Home value (your estimate)
DKK 3,500,000
Entered Sep 2, 2026
Loans outstanding
DKK 2,184,000
2 loans
New loans are below your rate
The rate on new loans of the same kind was 0.45 percentage points below the rate on Mortgage in September 2026.
Cindrus' calculation based on figures from Statistics Denmark, September 2026.
Review
Your loans
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LoanBalanceYour rateMonthlyStatus Mortgage · fixed 30 years Car loan DKK 1,940,000 DKK 244,000 4.00% 5.95% DKK 10,010 DKK 4,710 Worth a lookNo change
← Overview
Mortgage · fixed 30 years
Example data
Your rate and the market, last 12 months
Your rateMarket, new loans
Source: Statistics Denmark, StatBank table DNRNURI. Example values.
Rate gap
0.45 pp
Your rate is above the average rate on new loans of the same kind in September 2026. Whether refinancing pays off depends on today's price and on the costs — your lender knows them.
Your rate 4.00%
Market, September 2026 3.55%
Balance DKK 1,940,000
Years left 26
Assumptions
Comparable loan type. Switching costs and bond prices are not included.
How we calculated this
Understand your options

Your loan next to the market, in your own numbers.

Know where to go

See it when something changes that matters to you.

Cindrus checks the rates once a day. When the rate on new loans of the same kind is below yours, you see it in Cindrus, with the date of the figures and what to ask your lender.

Cindra

Cindra explains your figures with Cindrus' own calculations, and says so when a figure is missing. It never does the arithmetic itself.

Try Cindra
Explains
"What is my payment made of?" in plain words, with the calculation behind it.
Knows its limits
Never recommends a specific loan, fund or provider. Information, not advice.

Start with one loan.