About myUSFinance
Empowering financial decisions with clarity, accuracy, and simplicity.
Our Mission
At myUSFinance, we believe that everyone deserves access to high-quality financial tools without barriers. Personal finance affects every aspect of daily life, yet millions of Americans lack access to clear, unbiased financial guidance. Our mission is to simplify complex calculations into intuitive, free-to-use digital resources that help Americans plan their spending, manage debt, and build savings with confidence. We are committed to making financial literacy accessible to all, regardless of income level, education, or background.
What We Offer
Navigating personal finance can be overwhelming. Whether you are buying a home, planning for retirement, or paying off a student loan, the numbers matter. We provide a comprehensive suite of calculators designed specifically for the US financial landscape, covering:
- Mortgages & Housing: Amortization schedules, rent vs. buy comparisons, affordability estimators, PMI calculations, and refinancing analysis.
- Retirement Planning: 401(k) projections, IRA growth modeling, Social Security estimation, required minimum distributions, and pension calculators.
- Debt Management: Credit card payoff strategies, loan consolidation, debt snowball and avalanche comparisons, and interest savings analysis.
- Investment & Savings: Compound interest, CD rates, dividend reinvestment, emergency fund planning, and goal-based savings tracking.
- Tax Planning: Federal income tax estimation, capital gains analysis, self-employment tax, and tax bracket projections.
- Insurance: Life insurance needs analysis, health insurance cost comparison, disability insurance, and homeowners coverage estimation.
Our Team
Our content is created and reviewed by finance professionals with decades of combined experience in personal finance, tax planning, and investment management.
Certified Financial Planner with over 12 years of experience in personal finance education. Sarah oversees all calculator formulas, blog content accuracy, and editorial standards. She previously worked at a major financial planning firm advising individual clients on retirement and tax strategies.
Licensed CPA with specialized expertise in federal and state tax law. David reviews all tax-related calculators and content for compliance with current IRS regulations, ensuring our tools reflect the latest tax brackets, deductions, and credits for the current tax year.
Financial analyst with 8 years of experience in portfolio management and market research. Michael contributes investment-focused content including guides on index funds, ETFs, bonds, and retirement account optimization. He holds a Master's degree in Finance.
Our Methodology
Every calculator on myUSFinance is built using standard financial formulas recognized by industry professionals. Our mortgage calculators use the standard amortization formula, our tax calculators incorporate current IRS tax brackets and standard deduction amounts, and our investment tools apply time-value-of-money principles including compound interest formulas. We regularly verify our calculations against authoritative sources including IRS publications, Federal Reserve economic data, Bureau of Labor Statistics reports, and SEC investor education materials. When tax laws or financial regulations change, we update our tools promptly to reflect current rules. Read our full Methodology & Data Sources page →
Editorial Standards
All content published on myUSFinance follows a rigorous editorial process:
- Research: Every article begins with thorough research from authoritative government and industry sources.
- Expert Writing: Content is written by team members with relevant financial credentials and real-world experience.
- Fact-Checking: All claims, statistics, and calculator outputs are verified against primary sources before publication.
- Regular Updates: We review and update all content at least quarterly to ensure accuracy and relevance.
- Independence: Our editorial content is never influenced by advertising relationships. We maintain strict separation between editorial and advertising.
Sources & References
We rely on data and guidance from trusted institutions including:
- Internal Revenue Service (IRS) — Tax brackets, deductions, retirement contribution limits
- Federal Reserve — Interest rates, economic data, consumer finance surveys
- Securities and Exchange Commission (SEC) — Investment regulations, investor education
- Bureau of Labor Statistics (BLS) — CPI data, inflation rates, employment statistics
- Consumer Financial Protection Bureau (CFPB) — Consumer rights, mortgage disclosures
- Social Security Administration (SSA) — Benefits calculations, retirement age guidelines
Our Commitment
Accuracy: Our tools are built on standard financial formulas used by professionals. Every calculation is verified against authoritative sources.
Privacy: We respect your data. Our calculators run entirely in your browser; we do not store your personal financial inputs on any server.
Simplicity: No sign-ups, no fees, and no confusing jargon. Just the answers you need.
Transparency: We clearly disclose our methodology, data sources, and any limitations of our tools.
Contact Us
Have a suggestion for a new calculator or feedback on an existing one? We would love to hear from you. Visit our Contact Page to get in touch, or email us at contact@myusfinance.com.