About CentsMath

CentsMath is built and maintained by Tanish Sharma, an independent developer. Every calculator is implemented from cited primary sources - IRS worksheets, CFPB guidance, TreasuryDirect - and its math is covered by automated tests before anything ships. I'm not a financial advisor; these are honest tools, not advice.

How every calculator is built

Each tool starts from an authoritative source - IRS worksheets, the Consumer Financial Protection Bureau, the Department of Labor, TreasuryDirect, or the standard formulas used across the lending industry. The calculation engine behind every tool is covered by automated unit tests that check results against closed-form math and edge cases before anything ships. The source used is cited at the bottom of each tool's "How it works" section, so you can verify the math yourself.

What this site is not

These calculators are educational tools, not financial advice. They model your inputs with published formulas, but they cannot know your full situation - for decisions with real stakes, talk to a qualified professional. If you find a number that looks wrong, please tell me - accuracy reports get fixed first.