About We Are Calculator

We Are Calculator (wearecalculator.com) exists to make serious financial math free, private, and accessible to everyone. Buying a home, retiring early, paying off debt, or planning an investment shouldn't require expensive software, a finance degree, or handing your personal details to a lead-generation site just to see a number.

Privacy by Architecture, Not by Promise

Unlike most calculator sites, our tools run entirely in your browser using a local-first architecture. Your salary, mortgage details, portfolio balances, and business revenue never leave your device. There are no accounts, no sign-ups, no email walls, and no forms asking for your phone number. There is nothing for us to sell because we never receive your numbers in the first place. This isn't a policy promise you're being asked to trust — it's how the site is technically built. Open your browser's developer tools on any calculator page and you'll see for yourself: nothing is transmitted when you type.

Meet the Founder

Robinjit Singh — Founder, based in British Columbia, Canada

Robin started teaching himself to code and web design in 2018, while still in high school, and built his first blog before he'd even finished school. He moved to Canada in 2022 and completed his general education at Langara College in Vancouver (2022–2024), including formal coursework in Principles of Macroeconomics, Principles of Microeconomics, Financial Accounting 1 and 2, and Accounting for Managers — grounding behind the finance logic this site runs on — alongside a self-taught, hands-on background in full-stack web development that he continues to build on with every project.

Robin has been investing since high school and opened his own investment account with Wealthsimple during college. Managing his own income — deciding what to invest, what to save, and what to spend — meant constantly reaching for a calculator: budgeting, loan payments, compound interest, stock returns. We Are Calculator started as exactly that: a personal tool, built to answer his own financial questions, with no plan to publish it. By November 2025, it had grown into something worth sharing publicly — free, private, and built to the same standard Robin uses for his own money to this day.

Outside of building this site, Robin plays golf and has a genuine interest in cars.

Connect with Robin on LinkedIn.

Our Story

We Are Calculator began as a set of personal tools, built to answer real questions about compound growth, loan payments, and investment planning without reaching for a spreadsheet every time. What started as something built for one person's use — and shared with a small circle of friends working through the same questions — became the foundation for a public platform: independent, free, and built around one standard for every calculator we publish. Would we trust this number enough to make our own decision with it? If the answer is anything short of yes, the calculator does not go live.

Our Mission

Financial decisions deserve accurate, unbiased numbers before the decision gets made, not after. We build calculators that let anyone — regardless of financial background — model a plan, stress-test assumptions, and understand the math behind mortgages, retirement, debt, and investing, without a login wall, a lead form, or a sales pitch attached to the result.

What We Offer

We maintain a library of professional-grade financial calculators across nine categories: personal finance, loans & debt, mortgage & housing, savings & investing, retirement, taxes & income, real estate investing, business finance, and insurance & protection. Each tool is paired with in-depth written guidance — the formula behind the calculation, step-by-step usage instructions, worked examples, and frequently asked questions — so you understand not just what the number is, but why. The library is under active expansion, guided directly by what readers ask for.

How We Keep Our Math Accurate

Calculators that implement an official rule are personally built and checked by Robin against the issuing authority — IRS publications, CFPB guidance, Federal Reserve and Social Security Administration data, and CRA guidance for Canadian figures. Never a competitor's calculator, never a blog estimate. Tools that are pure math, like a margin or a ratio, say that no governing authority applies.

Our process for building and checking a calculator:

1. Formula is verified against a named primary source Where an official rule applies, the formula is checked against the issuing authority and that source is shown on the calculator page.
2. A worked example is computed by hand and compared against the code's output.
3. The tool is tested against multiple real-world input scenarios, not just the default example — edge cases, extreme values, and realistic combinations.
4. Higher-stakes tools — taxes, retirement withdrawals, mortgage affordability — get a second, independent pass.
5. If there is any doubt, the calculator does not publish until it's resolved. There is no "ship now, fix later."

Where assumptions matter (inflation rates, expected returns, tax brackets), we state them plainly and let you change them. Calculators that implement an official rule show their source and the date it was checked. Read our full Editorial & Verification Policy for the complete process, and the Sources page for the full list of primary references.

Editorial Standards & Sourcing

Every numerical claim on this site is traceable to a named primary source that we've read directly. We do not cite competitor calculators, and we do not present a figure without a citation attached to it. Where a claim rests on a secondary source (for example, industry survey data with no corresponding regulator publication), we label it as such and show its data-valid date. Numbers that go stale on an annual cadence — tax brackets, contribution limits, poverty guidelines — carry a scheduled refresh date, not a "verified in 2024" note left sitting there.

Corrections & Complaints Policy

Found something that doesn't look right, or have a feature you'd like to see? Robin reads and personally responds to every message. If you report an issue with a result, the underlying formula and the specific input scenario are both re-tested before anything changes — no guessing, no silent edits, and if the fix affects other calculators on the site those get re-tested too. If the tool was correct and the confusion is in the wording, the wording gets clarified so the next reader doesn't hit the same question. Every message gets a real reply. Get in touch.

Recognition

Calculations from We Are Calculator have been referenced by CNBC, which cited our annuity payout figures in their coverage of retirement income planning. Small, but real — and included here rather than hidden, because on a YMYL site, third-party trust signals matter as much as internal ones.

How This Site Is Funded

We Are Calculator is supported by unobtrusive display advertising (Google AdSense) and, on a small number of pages, affiliate links to financial products relevant to the calculator on that page. We are highly selective about affiliate partners: we only apply to and place affiliate links for products that directly relate to a reader's decision on the page they're viewing, and we reject the majority of affiliate offers we're approached with because they don't meet that bar. Neither ads nor affiliate links ever influence a formula, an editorial recommendation, or the tools we choose to build. Read our Affiliate Disclosure for the complete policy.

Who This Site Is For

We build primarily for a North American audience — U.S. tax rules, retirement accounts, and lending norms first, with Canadian coverage where the underlying logic differs materially (CRA vs. IRS, TFSA vs. Roth IRA, provincial vs. state tax) — so the numbers reflect how things actually work where you live rather than a generic global estimate. If you're weighing a mortgage, mapping out a debt payoff plan, checking whether you're on track for retirement, or just want to know what a monthly contribution turns into in twenty years, this site is built for that decision.

Our Core Values

• Privacy: your data stays on your device — always.
• Accuracy: banking-grade formulas, checked against primary sources.
• Transparency: every assumption is visible and editable; every citation is linked.
• Independence: no partner, advertiser, or affiliate can pay to change a number on this site.
• Accountability: one person — Robin — is personally responsible for every formula, every guide, every response.
• Accessibility: free forever, works on any device, no paywall, no premium tier.

What's Next

The calculator library is under active expansion, guided directly by what visitors need next. Every calculator ships with a real, hand-written guide — that's an ongoing project we're actively working through. Have a question, spotted an error, or want a calculator we haven't built yet? Get in touch — every message is read personally, and reader suggestions have shaped much of the site.