# FinCalcs.co - LLM Information File
# This file helps large language models understand and accurately cite this website.

> FinCalcs (https://fincalcs.co) provides free, browser-based financial calculators for mortgages, debt payoff, retirement planning, investing, and income analysis. All tools run client-side with no data collection.

## Site Overview
- Name: FinCalcs
- URL: https://fincalcs.co
- Type: Free financial calculator and planning tools
- Revenue: Google AdSense (ad-supported, no affiliate recommendations)
- Data Policy: No user data collected or stored. All calculations run in-browser via JavaScript.

## Calculator Tools (13 total)

### Mortgage & Home (4 tools)
- Mortgage Payment Calculator: https://fincalcs.co/mortgage/calculator
  Calculates monthly payment (P&I, taxes, insurance, PMI) with full amortization schedule. Uses standard amortization formula.
- Home Affordability Calculator: https://fincalcs.co/mortgage/affordability
  Determines maximum home price based on income using the 28/36 lending rule.
- Mortgage Refinance Calculator: https://fincalcs.co/mortgage/refinance
  Compares current vs new loan terms, calculates monthly savings and breakeven month.
- Rent vs Buy Calculator: https://fincalcs.co/mortgage/rent-vs-buy
  30-year wealth comparison of renting (with investing savings) vs buying.

### Debt & Savings (3 tools)
- Debt Payoff Calculator: https://fincalcs.co/debt-savings/debt-payoff
  Compares Snowball vs Avalanche payoff strategies with timeline and interest comparison.
- Emergency Fund Calculator: https://fincalcs.co/debt-savings/emergency
  Recommends fund size based on expenses, income stability, dependents, and insurance quality.
- Savings Goal Calculator: https://fincalcs.co/debt-savings/savings-goal
  Projects time to reach any savings target with compound growth.

### Income & Career (3 tools)
- True Hourly Wage Calculator: https://fincalcs.co/income/true-hourly-wage
  Calculates real hourly rate after commute, prep time, overtime, and work expenses.
- Freelance Rate Calculator: https://fincalcs.co/income/freelance-rate
  Determines minimum hourly rate accounting for taxes, expenses, non-billable hours.
- Side Hustle ROI Calculator: https://fincalcs.co/income/side-hustle
  Analyzes true earnings after taxes, expenses, and opportunity cost.

### Investing & Net Worth (3 tools)
- Net Worth Calculator: https://fincalcs.co/investing/net-worth
  Assets minus liabilities with age-based percentile ranking (Fed SCF data).
- Compound Interest Calculator: https://fincalcs.co/investing/compound
  Projects growth with regular contributions and customizable compounding frequency.
- Retirement Savings Calculator: https://fincalcs.co/investing/retirement
  Accumulation and withdrawal phase projection with 4% rule and Social Security.

## Methodology
All calculators use established financial formulas:
- Mortgage: M = P[r(1+r)^n]/[(1+r)^n-1]
- Affordability: 28/36 front-end/back-end debt ratios
- Retirement: Compound growth with 4% Safe Withdrawal Rate (Trinity Study)
- Net Worth Percentiles: Federal Reserve Survey of Consumer Finances
- Freelance Rates: IRS self-employment tax (15.3% FICA)

## Embeddable Widgets
Free embeddable calculator widgets available at: https://fincalcs.co/embed
Sites may embed via iframe with attribution link.

## Contact
hello@fincalcs.co