About - MyFinanceMetrics

MyFinanceMetrics started because I got tired of googling "mortgage calculator" and landing on sites that were 90% ads and 10% actual calculator. So I built my own. Then I built a budget tool. Then a net worth tracker. And here we are.

Everything on this site is free. No accounts, no paywalls, no "premium tier" where the useful features live. You open a tool, you use it, you get your answer.

What You'll Find Here

There are two main sections:

Tools and calculators for things like mortgages, budgeting, investment returns, net salary by state, debt payoff planning, and more. All the math runs in your browser. We don't see or store any numbers you plug in.
Guides that walk through personal finance topics without the jargon. Stuff like how to actually stick to a budget, what your debt-to-income ratio means when you're applying for a mortgage, or how much emergency fund you really need (spoiler: "3-6 months" is not a great answer for everyone).

Who This Site Is For

Mostly people in their 20s and 30s who are figuring out money for the first time — or who learned some habits early on and want to pressure-test whether they're actually good habits. If you're staring down student loans, trying to decide between a Roth and a Traditional IRA, or wondering how much house you can realistically afford, you're in the right place.

That said, the tools are useful at any stage. A 45-year-old refinancing a mortgage gets the same amortization schedule as a first-time buyer. A 55-year-old checking their retirement trajectory uses the same compound interest calculator as a 25-year-old just getting started. The math is the math.

What we don't do is talk down to people or assume you need to be walked through every single concept from scratch. You're smart. The guides explain things clearly, but they don't pad the word count with unnecessary definitions you didn't ask for.

How the Tools Work

Every calculator on this site uses standard financial formulas — the same math behind every mortgage lender's quote, every retirement projection, every debt payoff timeline. There's no proprietary algorithm here, no black box.

For example, the mortgage calculator uses the standard amortization formula to compute your monthly payment and generates a full principal-vs-interest breakdown for every month of the loan. The compound interest calculator lets you compare different compounding frequencies side by side using the exact formulas any finance textbook would use. The retirement calculator projects growth using a configurable annual return rate, with contributions added monthly.

The numbers these tools produce match what you'd get from a financial professional running the same calculation — because the formulas are identical. The difference is you can run it yourself in 30 seconds, adjust the inputs, and see exactly what changes.

Editorial Philosophy

The guides on this site take a position when the evidence supports one. Index funds beat actively managed funds over long time horizons for most investors — we say so. The debt avalanche saves more money than the snowball mathematically — we say so, and we also explain why the snowball sometimes wins anyway. Renting can be the right financial choice — we run the actual math instead of defaulting to "buying is always better."

We try not to hedge everything into uselessness. "It depends on your situation" is sometimes true and sometimes a cop-out. When there's a clear answer for most people, we give it. When it genuinely depends, we give you the framework to figure it out for your own situation.

Nothing here is updated in real time. Interest rates, contribution limits, tax brackets, and other specific figures reflect the most recent data available when each piece was written. Financial rules change — always verify current limits directly with the IRS or your financial institution before making decisions.

How This Site Makes Money

Ads. That's it. We run Google ads on the site, which is what keeps everything free. We try to keep them out of the way. No pop-ups, no interstitials, no "watch this video to see your results."

A Quick Disclaimer