About FinCalcs
Calculators, live rates, and city-by-city interactive tools — your complete financial planning platform.
Our Mission
FinCalcs exists to make financial planning accessible, accurate, and free. We build interactive tools powered by government data so anyone can make informed money decisions — without needing a financial advisor, a spreadsheet, or a finance degree.
Every calculator on this platform uses published data from the Federal Reserve, IRS, Bureau of Labor Statistics, and Census Bureau. The tools are free, the math is transparent, and the results are yours.
The Founder
Abiot Y. Derbie, PhD
Biomedical Data Scientist · Founder of FinCalcs
Abiot Y. Derbie, PhD is a biomedical data scientist specializing in multi-prediction modeling, neuroimaging analytics, and large-scale data pipeline engineering. He holds a PhD in Neuroscience from The Hong Kong Polytechnic University, with a Bachelor's and Master's degree in Psychology. His research focuses on building predictive models from complex, multi-source datasets — extracting meaningful patterns from thousands of data points to inform real-world outcomes.
His background in psychology fuels a deep interest in behavioral finance and market psychology — understanding why people make the financial decisions they do, how cognitive biases shape spending and investing, and how better tools can help people overcome those biases. FinCalcs was born from that intersection: rigorous data science meets the human side of money.
He built FinCalcs by applying the same data science methodology to personal finance. Every calculator is programmatically validated. Every data point is traceable to its government source. Every rate is pulled directly from the Federal Reserve FRED database through an automated GitHub Actions pipeline — not copied from a blog or estimated from outdated tables.
What We Offer
Interactive Calculators — Mortgage, Debt, Income and Tax, Investing and Retirement, Auto, Healthcare, and Planning tools.
600 City Salary Pages — 75 cities at 8 salary levels showing take-home pay adjusted for local taxes and cost of living.
51 State Take-Home Pay Guides — 3,000+ word guides covering state tax structures, effective rates, and comparison tools.
Live Market Rates — Updated weekly from the Federal Reserve FRED API across 444 calculator pages.
National Benchmarks — Compare your numbers to real averages from the Federal Reserve SCF, BLS, and Census Bureau.
Data Sources
Federal Reserve Economic Data (FRED) — Mortgage rates, treasury yields, federal funds rate, savings rates, median home prices. Updated weekly through an automated pipeline.
Internal Revenue Service (IRS) — Federal tax brackets, standard deductions, contribution limits for 401(k), IRA, HSA. Updated annually.
Bureau of Labor Statistics (BLS) — Consumer Expenditure Survey, Consumer Price Index, and occupational wage data.
U.S. Census Bureau — American Community Survey data for cost-of-living indices, median household income, and housing cost benchmarks.
Social Security Administration (SSA) — Benefit calculation formulas, full retirement age tables, spousal benefit rules, and COLA history.
Federal Reserve Survey of Consumer Finances (SCF) — Net worth percentiles by age, retirement savings benchmarks, debt levels, and investment data.
Editorial Standards
Data-first. Every claim is backed by a cited source.
Regularly updated. Live rates update weekly. Tax content updates annually.
Clear disclaimers. FinCalcs provides educational tools — not personalized financial advice.
Transparent affiliates. Affiliate relationships are disclosed. Calculator results are never influenced by partnerships.
For full details, see our Editorial Policy.
Mathematical Reviewers
Every calculator on FinCalcs undergoes independent mathematical verification by domain experts. Our reviewers validate formulas, test edge cases, and confirm that outputs match industry-standard calculations used by banks and lenders.
Eskezeia Y. Dessie, PhD
Statistical Modeling & Machine Learning
Research Fellow at Indiana University School of Medicine, Specializes in computational modeling, predictive analytics, and model validation using advanced statistical and machine learning methods.
Armin Allahverdy, PhD
Machine Learning & Data Mining
Data scientist specializing in machine learning, data mining, statistical modeling, and pattern recognition. Reviews fincalcs.co quantitative content for statistical methodology and computational integrity across calculators, decision-support modules, and community benchmarks.
Our verification process: Reviewers independently test each calculator against known benchmarks, verify formula implementations, check edge cases (zero values, extreme inputs, boundary conditions), and confirm outputs match industry-standard financial calculations used by banks and lenders.