About Garypedia
Financial calculators that show their work
Most financial calculators give you a number and nothing else. Garypedia gives you the formula, a worked example, and the data source — so you understand the result instead of just trusting it. Every tool runs entirely in your browser. No account. No data collected. No upsell at the end.
59+
Free tools
37+
In-depth guides
4
Financial pillars
0
Signups required
About the creator
Gary Sing is a software professional with over a decade of experience building production systems. He started Garypedia after noticing that most financial calculators online are either paywalled, require email signup, or silently hide the formulas behind the results.
Every tool on Garypedia is built around a core principle: show the math. Each calculator includes the formula it uses, a worked numerical example, and links to the authoritative data source (IRS, Federal Reserve, BLS) so you can verify the result yourself.
The guides are written using the same standard — no filler, a concrete worked example, a comparison table, and five FAQs that answer the specific questions real people type into Google. The goal is to be the most useful result for a financial question, not the highest word-count one.
Questions or feedback? Contact us here.
The four financial pillars
Every tool and guide is organised into one of four pillars — each answering a distinct life question.
"How long can I survive if everything stops tomorrow?"
Liquidity runway, emergency funds, debt payoff, and burn rate — the tools you need before anything else.
"How fast can my money replace my active labour?"
Compound interest, FIRE calculators, retirement projections, and DCA modelling for long-term investors.
"Is this major purchase an asset, a liability, or an opportunity cost?"
Mortgages, rent vs buy, vehicle depreciation, and refinancing — before you sign anything.
"What is my income actually worth after taxes and hidden costs?"
Take-home pay, freelance rates, self-employment tax, and break-even math for contractors and business owners.
Data sources we rely on
Every figure in our tools and guides is sourced from a government or institutional authority. We update tax brackets, contribution limits, and rate data each year as official guidance is published.
How every tool is built
- 1
Formula first
We start from the authoritative formula — not a simplified approximation. Mortgage amortisation, compound interest, and SE tax all use the exact expressions published by the IRS or described in academic literature.
- 2
Worked example
Every tool page includes a concrete numerical example showing each step of the calculation. If the formula and the calculator ever produce different results, the worked example is where you will spot it.
- 3
Runs in your browser
All calculations execute client-side in JavaScript. No inputs are sent to a server. Refreshing or closing the page clears everything. We do not store your financial data.
- 4
Verified annually
Tax brackets, contribution limits, and rate caps change each year. We review and update all affected tools when the IRS or relevant agency publishes new figures.
Not financial advice
Every calculator and guide on Garypedia is for informational and educational purposes only. Results are estimates based on the inputs you provide and publicly available data. They are not a substitute for personalised advice from a qualified financial adviser, tax professional, or licensed mortgage broker. Always verify numbers independently before making significant financial decisions.