About

What this site is for, who makes it, how it is paid for, and what it deliberately will not do.

What this is for

Most financial calculators on the internet are lead generation. They ask for an email address, produce a number with no working shown, and pass you to somebody who wants to sell you a mortgage. The number is often wrong in a specific and unhelpful direction.

This site is the other thing. Every calculator runs in your browser, shows the formula it used, names the authority behind any government rule, and lets you change every assumption it made. There is no account, no email field, and nothing you type is sent anywhere.

Who makes it

Paulo Araujo. Paulo builds and maintains this site. The work focuses on transparent arithmetic, figures tied to the authority that published them, and making the limits of an estimate visible rather than presenting it as certainty.

I am not a financial adviser, a mortgage broker or an accountant, and nothing here is advice. What I can do is arithmetic carefully and cite where the rules came from.

How it is paid for

By advertising, eventually, and possibly by affiliate arrangements later. Two commitments go with that. Every calculator works fully whether or not an advertisement ever loads, and no page exists on this site purely to carry one. Advertising slots reserve their space in the layout so that turning them on cannot shift a page around you, and they never sit between a calculator and its result.

If an affiliate arrangement is ever added, it will be disclosed on the page it appears on, and it will never change which answer a calculator gives.

What it will not do

• Invent a figure. If a number could not be verified against the authority that sets it, it is left out and the gap is named on sources.
• Publish a market rate as though this site tracked one. Interest rates move weekly, and the fields ask for the rate you were actually quoted.
• Tell you that you are approved. No calculator here says approved, declined or qualified, because this site has no standing to.
• Keep anything you type, or ask you to sign in.

Two sister sites

This is the middle of three. Salary After Tax answers what you actually earn after tax. This site answers what that supports. Live In answers where you could live on it. They share a design, a set of standards about sourcing, and nothing else: no accounts, no shared data, and no tracking between them.

Get in touch

pharaujo@gmail.com. Corrections are especially welcome, and the fastest way to get one made is to name the page, the figure and the source you are comparing it against. See contact.