Tejas Shah

Every calculator on this site carries a byline, an as-of date on every rate it borrows, and a named source behind every assumption you did not type yourself. That is the whole point of the name being here: if a number on a Carlo page is wrong, it is mine to fix, and support@carlo.finance reaches me.

• No figure on a tool page is typed by hand. Each one comes out of an engine that runs on the page, or out of a source the page cites by name and by the date it was read.
• Every page shows its arithmetic. The line by line walk that produced the answer is on the page, not behind a link, so you can check the method rather than trusting the total.
• Defaults are borrowed, never invented: Freddie Mac’s weekly mortgage survey for rates, the Federal Reserve’s G.19 for consumer credit, Fannie Mae’s selling guide for the ratios lenders actually apply, the IRS revenue procedure for tax parameters. Each one is named on the page that uses it.
• Where an input has no honest default, the page ships a zero and says so. A car’s sales tax rate depends on where you register it, so that field starts empty rather than at a made up national average.
• Every calculator has a JSON twin at the same address plus .json, so an agent reading the page gets the same numbers, the same sources, and the same warnings a person does.

I am not a certified financial planner, a chartered financial analyst, or a certified public accountant, and this page does not claim otherwise. Carlo is not a registered investment adviser, broker-dealer, or financial planner. Nothing in the Service constitutes a recommendation to buy, sell, or hold any financial instrument.

These pages compute, they do not counsel. A calculator cannot see the rest of your situation, so where a decision turns on something it cannot know, the page says so instead of rounding the gap away. For anything that turns on your specific facts, talk to somebody licensed to look at all of them.

I would rather that be stated plainly than implied by a credential badge. The arithmetic and its sources are on every page. Check those.

13 of them, all free, all with a JSON twin. This list is generated from the same registry that builds the site map, so it cannot drift from what actually shipped.

The full index, with what every one of them takes as input, is at carlo.finance/tools.

LinkedIn. For anything about Carlo itself, including who is accountable for what, see how Carlo treats your money and data.