About SteadyCalc

SteadyCalc is a small, independent project built to answer everyday money questions with honest numbers. We make free calculators for the financial decisions most people face — buying a home, financing a car, paying down debt, and saving — and pair each one with a plain-English explanation of how the math works and what the result actually means.

Who builds it

SteadyCalc is built and maintained by an independent software engineer with a background in e-commerce development — someone who writes production financial calculations for a living and got tired of calculator sites that bury a simple answer under pop-ups, email gates, and lead forms. There is no company behind this site trying to sell you a loan, an insurance policy, or a newsletter. The site is supported by unobtrusive display advertising and nothing else.

How the calculators are built and tested

Every calculator uses the standard financial formulas that lenders and banks use — amortization for loans, compound growth for savings — implemented in code and run entirely in your browser. Before a calculator ships, we verify it three ways:

• Independent recomputation. The worked example on each page is calculated separately, outside the calculator's own code, and the two results must agree.
• Edge-case checks. Zero interest rates, very short and very long terms, and empty inputs are tested so the tool degrades sensibly instead of showing nonsense.
• Cross-checks against published tables. Where standard references exist — amortization schedules, compound-interest tables — we compare outputs against them.

The explanations and guides are written the same way: every number in a worked example is computed, not estimated, and the formula behind it is shown on the page so you can check it yourself.

Sources we rely on

For facts that go beyond arithmetic — how mortgage insurance works, what counts toward APR, historical inflation — we rely on primary sources rather than other calculator sites:

• Consumer Financial Protection Bureau (CFPB) — mortgage, loan, and credit card rules and consumer guidance.
• Federal Reserve — interest rate data and consumer credit statistics.
• Bureau of Labor Statistics — the Consumer Price Index behind inflation figures.
• IRS — retirement plan rules and contribution limits.

Corrections

If a calculation looks wrong, it matters to us more than anything else on this site. Email hello@steadycalc.com with the calculator name and the inputs you used, and we will reproduce it, fix it if it is wrong, and note the correction on the affected page.

A note on accuracy

Our tools are carefully built, but they are estimates for general education, not financial advice. Real-world figures depend on your lender, your location, your credit, and current market conditions. Always confirm important numbers with a qualified professional before you commit.

Our principles

• Private by design. Every calculator runs in your browser. The numbers you enter are never sent to a server or stored.
• No accounts, no friction. You should be able to get an answer in seconds without signing up for anything.
• Educational, not pushy. We explain the concepts and trade-offs so you can make your own decision. We do not sell loans or insurance.