Hutu Laurentiu
Founder and editor of FinanceCalc.
What I do here
I built FinanceCalc in 2026 and I maintain it. That means four things: designing the calculators, writing the explanatory text on each page, checking every formula against a primary source, and correcting anything that turns out to be wrong.
The site covers the financial arithmetic that ordinary decisions turn on — what a mortgage payment actually contains, what a loan costs by the time it is paid off, what a savings rate becomes over a working life, how a tax bracket applies at the margin. The tools are free, run entirely in the browser, and require no account.
How I work
Each calculator starts from the formula, not from a template. For a mortgage that means the standard amortization equation with escrow components stacked on top; for a loan payoff it means the same equation solved for time; for retirement projections it means compound growth with contribution timing made explicit. The formula is printed on the page, along with a worked example using figures you can reproduce on a phone calculator.
Before a page is published I check it against published guidance from the Consumer Financial Protection Bureau, the IRS, Investor.gov, or the Social Security Administration, depending on the topic. Where those sources define a rule — the 20% down payment threshold that removes private mortgage insurance, the age at which delayed retirement credits stop accruing, the rules around Roth withdrawal — the page states the rule and links the source.
I write the limitations sections myself, and they are the part of each page I care most about. A calculator that is right on its inputs and silent on its assumptions will still lead someone to a bad decision. So each page names what it ignores: escrow reassessments, promotional rates that expire, taxes on withdrawals, sequence-of-returns risk, fees, and anything else that would change the answer.
What I am not
This site does not provide personalised advice, and nothing here is a recommendation to take a specific loan, buy a specific investment, or file a return a specific way. If you need a decision made for your situation, talk to someone licensed to make it — a fee-only planner, an enrolled agent, or a HUD-approved housing counsellor.
What I can offer is the arithmetic, done correctly and explained plainly, so that the conversation you have with a professional starts from a real number instead of a guess.
Corrections and contact
If a formula is wrong or a figure is out of date, I want to know. Write to reportpilot.team@gmail.com with the page and the inputs you used. Verified corrections are made and noted on the page. The correction process is described in the editorial policy.