Chakra Wellness — Cost Calculator

Chakra Wellness

Sauna & cold plunge cost calculator

See what you'd pay upfront, financed with Humm, or at a wellness centre — and how long it'd take to save the same amount instead.

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Delivery
Delivery and installation
Compare against a wellness centre

Optional — add what you currently pay to sauna or cold plunge at a wellness centre, and it'll be added to the comparison.

More options
Add the $90 establishment fee onto the loan instead of paying it upfront
How these numbers are calculated

For anyone who wants to sanity-check a figure or replicate it independently.

Figures are illustrative estimates only, based on the inputs provided and current Humm consumer finance terms, and do not constitute financial advice. Confirm exact repayment figures and eligibility with Humm at checkout. Savings comparison assumes a fixed annual interest rate and regular weekly contributions; actual savings returns will vary.

Enquire now

We'll get your quote details and a summary of what you've configured — just add your contact info and any notes.

Cost Calculator

A Home Sauna or cold plunge… Is It Worth It, and Do the Numbers Stack Up?

Saunas are more than a relaxation perk—they're a proven boost for muscle recovery, circulation, stress relief, and sleep. But are you better off paying as you go at a wellness centre, or investing in one at home? At Chakra Wellness, we've crunched the numbers to find out. Whether it's the cost of wellness centre sessions, the interest and fees on finance, or how long it'd take to simply save up instead, the answer depends on your habits and priorities. Let's explore—and use our calculator to see what works for you.

Introducing the Cost Calculator

Curious whether owning a sauna or cold plunge could work out cheaper than paying per session—and whether financing it now makes more sense than saving up first? Our calculator takes the guesswork out of the decision. Pick a model, and it instantly compares three ways to pay: financing with Humm, paying upfront, and (if you'd like to include it) your current wellness centre costs. It also shows you something most calculators skip: how many weeks it would actually take to save up the same amount yourself, versus using the product from day one with Humm.

How to Use the Calculator

Getting started is easy—here's how:

  1. Pick your sauna or cold plunge: Choose from models like RadiantZen or GlowZen, or enter your own purchase cost directly.

  2. Check your Humm repayment term: The calculator automatically shows the fortnightly repayment terms your purchase qualifies for, defaulted to a 26-fortnight term with the establishment fee added onto the loan—adjust either if you'd prefer.

  3. See saving vs financing first: Straight away, compare how many weeks it'd take to save up the purchase price yourself against financing it with Humm and using it from week one—including the real dollar cost of that head start.

  4. Compare all your options: Switch to the Cost Comparison tab to see Humm finance and paying upfront side by side, with the lower-cost option flagged for your chosen timeframe.

  5. Add your wellness centre costs (optional): If you currently pay per session or hold a membership somewhere, add those costs in to see exactly when owning breaks even against paying as you go.

  6. Fine-tune if you like: Open "More options" to add weekly running costs, change your comparison timeframe, or adjust how the establishment fee is paid.

Try it below and discover what stacks up best for you.

If you would like to discuss financing your purchase you can download the Humm Finance App to apply for a pre-approval, or reach out to us with what you would like to buy. We can send you an invoice and a formal quote.