Owned Outright vs WorthCay

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 WorthCay
Detail	Owned Outright	WorthCay
What it does	Mortgage payoff calculators that start from your loan's current balance	Free Coast FIRE calculator to track your progress toward financial independence
Stage	Not given	Not given
Founded	Not given	Not given
Based in	Not given	Not given
Pricing model	Free	Freemium
Pricing	Not given	Free plan with 90-day trial: up to 20 accounts, 3 months snapshot history, multi-currency support, advanced charts, data export. Premium Monthly: $6/month with unlimited accounts and unlimited snapshot history. Premium Yearly: $59.99/year with all features unlocked.
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	Coast FIRE calculator FIRE number calculator Progress tracking over time What-if scenario testing Multi-currency support Advanced charts and analytics Data export in JSON and CSV
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	Organizes multiple real account types to match actual portfolio structure No signup required to run calculator; optional account for saving progress Immediate what-if analysis without reentering data
Community votes	0	0
DR (Domain Rating by Ahrefs)	Not checked yet no change since last check	9 no change since last check
Trust Flow (Majestic)	0	0
Citation Flow (Majestic)	4	18
Referring domains (Majestic)	1	10

4 details filled in for both companies.

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