About FinCalcs

Our Mission

FinCalcs provides free, transparent financial calculators that help people make smarter money decisions. We believe everyone deserves access to the same financial planning tools that advisors and institutions use, without paywalls, account requirements, or data harvesting.

Methodology & Data Sources

Every calculator on FinCalcs is built on established financial formulas and evidence-based models. Here's what powers each tool:

• Mortgage calculators: Standard amortization formula (M = P[r(1+r)^n]/[(1+r)^n-1]), 28/36 lending guidelines, and PMI thresholds consistent with Fannie Mae/Freddie Mac standards.
• Debt payoff: The Avalanche and Snowball methods are implemented as described in peer-reviewed behavioral finance research and standard debt management practices.
• Retirement: Compound growth projections with the 4% Safe Withdrawal Rate (Trinity Study), inflation adjustment, and Social Security integration.
• Net worth percentiles: Based on the Federal Reserve's Survey of Consumer Finances (SCF), the most comprehensive household wealth dataset in the United States.
• Freelance/income: IRS self-employment tax rates (15.3% FICA) and standard business deduction frameworks.

How We Make Money

FinCalcs is supported by advertising through Google AdSense. We display clearly-marked ads on our pages. We do not accept sponsored content, affiliate commissions from financial products, or payment to recommend specific services. Our calculators are not influenced by advertisers.

Advertising Disclosure

This website displays advertisements from Google AdSense. These are third-party ads delivered by Google based on your browsing activity and interests. FinCalcs does not control the specific ads shown and does not endorse any products or services advertised. Ad revenue supports the free operation of this site.

Google uses cookies, including the DART cookie, to serve ads based on your visits to this and other websites. You may opt out of personalized advertising by visiting Google's Ad Settings.

Accuracy & Limitations

All calculations are estimates for informational and educational purposes only. FinCalcs does not provide financial, tax, legal, or investment advice. Results should not be relied upon as the sole basis for financial decisions. We recommend consulting with a qualified financial advisor, tax professional, or mortgage lender for decisions involving significant money.

While we strive for accuracy, financial calculations involve assumptions about future conditions (interest rates, returns, inflation) that are inherently uncertain. Actual results will vary from projections.

Privacy

All calculations run entirely in your browser using client-side JavaScript. We do not store, transmit, or have access to any financial information you enter into our calculators. See our Privacy Policy for complete details.

Contact

For questions, corrections, or suggestions, contact us at: hello@fincalcs.co