About Finance Calculator X

What this site is

Finance Calculator X covers loans, home buying, saving, investing and debt repayment. I built each calculator to give you the main result and the working behind it: a chart, a table or schedule where useful, the formula, and the assumptions that can make a real quote differ.

The site is free, requires no account, and runs every calculation directly in your browser. During ordinary calculator use, your financial inputs are not submitted to the site or to analytics; the privacy policy explains the deliberately initiated sharing feature and its safeguards.

Who runs it

Finance Calculator X is an independent project built and maintained by Avinash Verma, a software developer based in Gurgaon, India. It is not owned by or affiliated with a bank, lender, broker or financial product provider. The site does not currently publish sponsored content or affiliate recommendations.

I am not a licensed financial adviser. My role here is to implement and explain established financial mathematics, including amortization, compounding and discounting. Where a result depends on a rule of thumb or a debatable model—such as a debt-to-income limit or future home appreciation—the page states the assumption and, where possible, lets you change it.

Principles

• Show the work. Every calculator documents its formula, variables, rounding and assumptions on the page — see our calculation methodology.
• Test the math. Formulas are covered by an automated test suite checked against known reference values before anything ships; current verification evidence is published.
• Education, not advice. Results are estimates for understanding trade-offs, not recommendations. The disclaimer explains the boundary.
• Respect the reader. No fake experts, no invented statistics, no fabricated reviews, no pressure tactics. See the editorial policy.
• Privacy by architecture. Calculations run client-side; preferences stay in your browser. Details in the privacy policy.

If you find an error

If a number looks wrong against a lender statement, another calculator or your own arithmetic, please send me the page and inputs you used. I prioritize reproducible calculation errors, and the corrections policy explains how I check them.

Current scope

The site currently contains 30 calculators across loans, mortgages, investing, savings and personal finance, together with the existing plain-English guides. I prefer maintaining a smaller set of documented tools to publishing large batches of lightly differentiated pages.