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Owned Outright vs Should I Grade It?

A side-by-side comparison built from both listings. Blank cells mean the company has not given that detail; we never guess.

Owned Outright compared with Should I Grade It?
DetailOwned Outright logo Owned OutrightShould I Grade It? logo Should I Grade It?
What it doesMortgage payoff calculators that start from your loan's current balance Free Pokémon card grade checker
StageNot given Not given
FoundedNot given Not given
Based inNot given Not given
Pricing modelFree Freemium
PricingNot given Free: 7 full scans per month, live scan, grade estimate, values, decision, calculators and collection unlimited. Pro monthly: $3.99/month (rises to $4.99 for new subscribers January 1, 2027), unlimited scans. Pro yearly: $31.99/year, $2.67 per month, save 33% (rises to $39.99 for new subscribers Jan
Key features
  • Extra payment calculator for monthly, yearly or lump-sum additions
  • Amortization schedule with payment breakdown
  • Mortgage payoff date calculator
  • Principal vs interest crossover calculation
  • Prepay vs invest comparison
  • PMI removal timing and acceleration
  • Mortgage recast calculator
  • Refinance break-even analysis
  • Biweekly payment calculator
  • ARM calculator for adjustable-rate mortgages
  • PSA grade estimation with centering, corners, edges and surface subgrades measured from photos
  • Card identification using CardSight AI matched to exact TCGplayer printing
  • Raw prices from TCGplayer refreshed daily for each printing variant
  • Graded values from median of recent eBay completed sales for PSA, CGC and Beckett
  • Collection tracker with daily valuation and price history charts synced across devices
  • Grade-or-not verdict calculated after subtracting grading fees, shipping and eBay fees
  • Price guide searchable by card name or number with separate prices for Shadowless, 1st Edition and other printings
  • Grade range showing likely grade plus how far it could swing based on photo limitations
  • Free account with email sign-up, no password required, optional collection sync across devices
What makes it different
  • Starts calculations from today's current loan balance instead of original amount
  • Handles multiple payment patterns simultaneously
  • Results round like a real lender for accuracy
  • All calculations run locally with no data sent to servers
  • Verified against published figures with automated testing
  • No download required, runs directly in web browser on phone and computer
  • Built by an actual collector and reseller with dated real-world sales data
  • Independent and unaffiliated with PSA, graders, retailers or Pokémon Company
  • Live camera scanning with auto-straightening works at any angle, including full tilted surface check
  • Compares estimated grade and grading cost against raw and graded comps to show actual profit potential
Community votes00
DR (Domain Rating by Ahrefs)Not checked yet no change since last checkNot checked yet no change since last check
Trust Flow (Majestic)00
Citation Flow (Majestic)415
Referring domains (Majestic)12

4 details filled in for both companies.

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