Avinash Verma
Builder and maintainer of Finance Calculator X.
Who I am
I'm a software developer based in Gurgaon, India, and I build free, browser-based utilities — fast, no sign-up, privacy-conscious. Finance Calculator X is one of those projects: a set of financial calculators built the way I wished such tools worked, with the formula on the page, the assumptions stated, and the math verified by automated tests rather than taken on faith.
You can verify my work directly: my open-source profiles are on GitHub and GitLab, where I maintain several other browser-tool projects.
What I am — and what I'm not
I am not a licensed financial adviser, accountant or planner, and nothing on this site is personal financial advice. What I bring is engineering discipline applied to published financial mathematics: the amortization, compounding, discounting and simulation formulas documented in standard finance references. Every calculator states its formula and conventions, and the methodology page explains exactly how results are computed and tested.
That boundary is deliberate. Calculator math is verifiable — a $250,000 loan at 6.5% over 30 years has exactly one correct monthly payment, and an automated test suite checks results like that against known reference values before any release. Whether a particular loan or investment is right for you is a different kind of question, and one this site intentionally does not answer.
How I work on this site
- Calculation logic lives in a single tested library, separate from page content, so the numbers in worked examples come from the same code that powers the calculators.
- Every content page carries a last-reviewed date and a formula version; material changes bump both.
- Guides cite primary sources — regulators such as the CFPB, the RBI and the SEC's Investor.gov — rather than other calculator sites.
- Error reports outrank all other work: the corrections policy describes how reported discrepancies are reproduced, classified and fixed.
Pages I author and maintain
All 30 calculators, the finance guides and the site's policy pages are written and maintained by me, with automated verification tooling. If independent professional reviewers join the project, their real names and verifiable credentials will appear on the pages they review — the editorial policy commits to never inventing experts.
Contact
Corrections, questions and suggestions: contact@financecalculatorx.com — or see the contact page for what to include with an error report.