About Money.Holdings

Learn about our mission, team, and commitment to financial education.

Our Mission

Money.Holdings was built on a simple belief: everyone deserves access to clear, accurate, and unbiased financial calculations. Whether you're buying your first home, planning for retirement, or just trying to understand where your money goes, our tools give you the answers — no signup, no data collection, no hidden agendas.

We're independent. We don't sell financial products, we don't earn commissions on loans or investments, and we don't share your data with third parties. Every calculator runs entirely in your browser — your numbers never leave your device.

What Makes Us Different

🔒 Privacy First

All calculations happen client-side. No server sees your financial data. No accounts, no tracking, no cookies required for core functionality.

🌍 International by Design

Built for US, UK, and Australia with local currencies, tax rates, terminology, and regulatory disclaimers. More countries coming soon.

📊 Professional Grade

Calculators used by financial planners, mortgage brokers, and educators. Formulas match industry standards with proper rounding and edge-case handling.

Our Calculators

We offer 12 specialized calculators covering the full spectrum of personal finance:

  • Mortgage Payment — Monthly payments with full amortization schedule
  • Compound Interest — Investment growth with contributions and inflation
  • Loan Payment — Any amortizing loan with extra payment analysis
  • Amortization Schedule — Detailed period-by-period breakdown
  • Mortgage Overpayment — See how extra payments save interest and time
  • Mortgage Affordability — How much house can you really afford?
  • Savings Goal — Plan monthly savings to hit a target date
  • Debt Payoff Planner — Avalanche vs. snowball method comparison
  • Retirement Savings — Accumulation and withdrawal phase modeling
  • Net Worth — Complete asset/liability snapshot
  • Budget Calculator — 50/30/20 analysis with category breakdowns
  • Wealth Simulator — Monte Carlo simulation with confidence intervals

Transparency & Compliance

We operate under a strict compliance framework with five levels of disclosure based on calculator risk:

Level 1: Educational tools (compound interest, savings goal) — standard disclaimer
Level 2: Planning tools (budget, net worth) — enhanced disclaimer
Level 3: Loan calculators — standard disclaimer + rate source attribution
Level 4: Mortgage calculators — enhanced disclaimer + APR/APY distinction + regulatory sources
Level 5: Investment/retirement simulators — full risk disclosure + Monte Carlo methodology + past performance disclaimer

Sources & Methodology

Every calculator cites its formula sources — from IRS publications and HMRC guidance to academic finance texts and regulatory handbooks. See our Methodologyand Sources pages for full details.

Contact

Questions, suggestions, or found an error? Visit our Contact page or see our Corrections Policy.