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Methodology

How every number on this site is produced and verified:

• Financial formulas: compound interest and amortization follow standard financial-math definitions. Annual rates are converted to the compound-equivalent monthly rate ((1+i)^1/12−1). Every function is covered by automated tests against known reference values.
• Dates: computed in UTC with real month lengths and leap years; deadline counts exclude the start date and include the end date.
• Declared limitations: simulations exclude taxes, insurance and fees, and each page says so. Results are educational estimates, not financial or legal advice.
• External datasets: only enter the site after source, license and update cadence are registered; the snapshot date is shown on the page itself.

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