Editorial Policy & Methodology
TrueWealthMetrics publishes free personal finance calculators and educational explanations to help people understand
common financial scenarios (saving, investing, debt payoff, loans, mortgages, and retirement planning).
Our goal is clarity — we show the math, the assumptions, and the limitations so you can make better decisions.
Educational purpose (not financial advice)
All outputs are estimates for education and planning. We do not provide individualized financial, tax, or legal advice.
For major decisions, consider speaking with a qualified professional.
How we build calculators
- Deterministic formulas: Given the same inputs, the calculator produces the same outputs.
- Transparent assumptions: Each calculator explains what the inputs mean and what is (and isn’t) included.
- Scenario testing: We test edge cases (zero values, extreme rates, long time horizons) to prevent misleading outputs.
- Consistency: We use consistent conventions across tools (annual rate in %, monthly contributions, timelines in years).
Common assumptions (examples)
Assumptions vary by calculator, but typical examples include:
- Compounding: Interest may be compounded monthly (or as described on the page).
- Contributions: Monthly contributions are assumed to occur at regular intervals (end-of-month unless stated).
- Rates: Annual rates are converted to monthly rates for monthly calculations.
- Fees: Investment fee impact assumes a fee is applied as a percentage of assets under management each year.
- Inflation/taxes: Not included unless the calculator explicitly states they are included.
Sources and references
We use widely accepted personal finance math and standard amortization/compounding formulas.
Where relevant, we reference publicly available educational resources and generally accepted financial conventions.
Updates, maintenance, and change logs
- Tool updates: We improve calculators as we add features, refine assumptions, or fix bugs.
- Content updates: Educational pages may be updated to improve clarity and accuracy.
- Versioning: We may update structured tool definitions (MCP) to reflect new tools or improved descriptions.
Corrections policy
If you believe a calculator output or explanation is incorrect, please contact us with:
the page URL, your inputs, the result you received, and what you believe is wrong.
We review all reports and publish fixes as needed.
Contact
Email: support@truewealthmetrics.com