Money decisions deserve numbers you can trust. This page explains exactly how the calculators on The Money Calcs are built, checked and kept up to date.
Standard, published formulas
Every calculator uses the textbook formula for its job — for example the standard amortization formula for loan and mortgage payments, the compound-interest formula A = P(1 + r/n)nt for savings, and simple ratios for percentages, unit prices and discounts. Each calculator page explains its formula in plain English and shows a worked example you can check by hand or in Excel.
How each tool is checked
- Each formula matches the standard spreadsheet functions (PMT, FV, PV, RATE), so you can verify any result yourself in Excel or Google Sheets.
- Edge cases such as 0% interest and empty fields are handled so the tool does not show a misleading number.
- Figures that change by year, such as IRS 401(k) and IRA contribution limits, are reviewed against the official IRS announcements when they are published.
Sources we rely on
Where a page refers to rules or limits, we use primary sources: the IRS, the Consumer Financial Protection Bureau, Investor.gov (U.S. SEC) and the U.S. Department of Labor.
Privacy by design
All calculations run in your browser. Nothing you type is sent to or stored on our servers.
What our calculators are — and are not
Results are estimates based on the inputs you enter and simplified assumptions (for example, a fixed rate of return). They are for education and planning, not personal financial, tax or legal advice. For big decisions, confirm the numbers with your lender, plan administrator or a qualified professional.
Found a mistake?
Email contact@themoneycalcs.com with the calculator name and the numbers you entered. We review every report and correct confirmed errors.
The calculators are built and reviewed by Muhammad Zohaib Ameer.