Smarter money decisions start with the right numbers

Yes. Every calculator is free to use, with no account required, no usage limit and no paywall. Registering — which is optional — unlocks downloadable PDF reports and nothing else. Registration is not a financial account: no password is created and no financial data is stored.

No. Every calculation runs entirely in your browser, and so does PDF generation. The figures you type never reach our servers. The only information we receive is what you deliberately submit through the registration, contact or consultation forms. We do use Google Analytics to see which calculators get used, but it receives page views and a handful of named actions only — never a number you entered. Our Privacy Policy sets this out in full.

The mathematics is exact — the same formulas a lender or a tax return uses, written out on each calculator's page so you can check them. The accuracy of the answer depends on your inputs and assumptions. Anything involving a future return, future inflation or a future tax rate is a projection, and each calculator states its assumptions and what it leaves out.

From the IRS inflation adjustments published for each tax year, stored in a single data file with source notes. Every tax calculator shows the tax year it is using, and you can switch years where more than one is available. Where a rule is modelled in a simplified way — the qualified business income deduction above the threshold, for example — the calculator says so in its results.

No. These are educational tools that produce estimates from the information you enter. They do not know your circumstances, they do not account for everything that would affect a real decision, and they are not a substitute for a professional who does. See the Financial Disclaimer.

Yes. Every page is built to work from 320 pixels upwards, with tables that scroll, charts that resize and inputs sized for touch. Nothing requires a desktop.