Reg Z Certified

Precision Financial Calculations & Integrated Applications

Industry-leading calculation engine and applications for credit unions and banks. Nearly 30 years of trusted, compliant results. Deployable on-prem, as a web service, or embedded in your systems.

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Monthly Payment

$1,247.38

Reg Z Compliant

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Built for Financial Accuracy

The Calc Engine is the under-the-hood standard for compliant loan and insurance calculations, trusted by thousands of institutions.

Loan Origination

Accurate payment and interest forecasting for all loan types with complex insurance product calculations. Disclosure-ready from day one.

Month-End Premium Processing

Reliable insurance premium calculations and month-end processing for compliance reporting and member protection.

Regulatory Compliance

Built-in Reg Z / Truth-in-Lending compliance validated by third-party certification partners. Reduces exposure to class-action risk.

Amortization & Servicing

Complete amortization schedules, payoff projections, and loan servicing calculations with precision you can audit.

Deploy Anywhere

On-prem DLL, cloud web service, or embedded within partner systems. The Calc Engine is a service that goes where the need is.

API Integration

Seamless integration with existing LOS platforms, Core banking systems, and custom applications via well-documented APIs.

Products & Applications

Combining industry experience and expertise into powerful financial services solutions.

Calc Engine

The core calculation service powering compliant loan disclosures, insurance premiums, and servicing calculations.

On-Prem Web Service Embedded

Calculators

Consumer-facing and institution-facing tools for B2B and B2C use cases across lending and vehicle finance.

Buying Power VIN Market Trade

AI-Driven Audit & QC

AI-powered quality control and audit capabilities for loan calculations and compliance verification.

Audit VisionFI

Proven Value, Renewed Future

CalcWorks acquired the trusted TruStage Calc Engine software, a cornerstone technology created by CUNA Mutual Group in the 1990s and relied upon by credit unions, banks, finance companies, and insurance carriers for nearly three decades.

This joint venture with TruStage ensures uninterrupted service and a future-proofed roadmap, while preserving the reliability that thousands of institutions depend on every day.

Modernization
Updating legacy code for today's cloud and web service environments
Innovation
New loan types, digital-first experiences, AI-driven audit/QC
Stability
Uninterrupted service to all licensees and end users
Compliance
Continued Reg Z and Truth-in-Lending certification

Trusted By

2,900+

CUs via LOS

1,400+

CUs via Core

87M

Members (LOS)

13M

Members (Core)

Deep Domain Expertise

A team with decades of financial calculation and insurance premium knowledge