Quanticed builds free financial calculators that show their work. Most calculators online hand you a single number and hide the assumptions behind it. We do the opposite: every tool lays out its formula, its inputs, and a full breakdown of how the result was reached — so you can understand the maths, sanity-check it, and adapt it to your own situation.
The site spans saving and investing, borrowing, retirement, taxes, income and pay, business and pricing, equities and derivatives, and everyday money. Each calculator is paired with a plain-English explanation of the underlying concept, worked examples, and answers to the questions people actually ask.
Why we built it
Financial decisions are hard enough without opaque tools getting in the way. A retirement projection that quietly ignores inflation, a loan calculator that omits fees, or an options model with no explanation of its assumptions can do more harm than good. We started Quanticed to make a different kind of resource — one that treats you as someone capable of understanding the numbers, not just consuming them.
Our guiding principle is simple: built for clarity, not clicks. We would rather explain one concept thoroughly than churn out dozens of shallow pages.
How we build and check our calculators
Accuracy is the whole point, so we take the engineering of each calculator seriously:
- Formulas from primary sources. Each calculation is built from established financial and mathematical formulas — compound interest, annuity and amortisation maths, the time value of money, Black–Scholes and binomial option pricing, CAPM, DCF, and the standard valuation and ratio definitions — implemented from their canonical forms.
- Tested against known results. The calculation engines are covered by an automated test suite that checks them against hand-worked examples and textbook answers, so changes can't silently break a result.
- Assumptions in the open. Where a calculation depends on an assumption — a compounding convention, a day-count basis, a simplifying model — we state it on the page rather than burying it.
- Educational by design. Our equities and derivatives tools, in particular, exist to teach how the formulas work. They use the inputs you provide and do not pull live market data; they are for learning and illustration, not for trading.
Editorial independence
Our calculators and explanations are not sponsored, and the result a tool gives you is never influenced by a commercial relationship. We don't sell your data, and we don't gate working tools behind sign-ups. If we ever introduce advertising or affiliate links, they will be clearly labelled and kept separate from the calculations themselves.
Work with us — financial professionals & writers
As Quanticed grows, we want the expertise behind it to be visible and verifiable. We're actively looking to collaborate with qualified financial professionals in two ways:
- Calculator review and audit. We'd like CFAs, CFPs, accountants, actuaries, finance academics, and other practitioners to review our calculators and the methodology behind them — checking formulas, assumptions, and explanations, and lending their name and credentials to the work they verify. Reviewed tools will carry a clear note of who checked them and when.
- Bylined articles and guides. We're commissioning blog posts and explainers from professionals who can write clearly about saving, investing, borrowing, tax, retirement, and the markets. Contributors are credited with a full author bio and their qualifications.
If you're a finance professional interested in reviewing our tools or writing for Quanticed, we'd love to hear from you — please get in touch via ourcontact page, and see ourexperts and contributors page. Tell us about your background and the areas you'd like to cover.
A note on advice
Quanticed provides tools and education, not personalised financial advice. Our calculators produce estimates based on the figures you enter and the assumptions described on each page, and they can't account for your full circumstances. For decisions that matter, speak to a qualified, regulated professional. See our full disclaimer for details.
Get in touch
Questions, corrections, partnership ideas, or feedback are all welcome. The fastest way to reach us is through our contact page. If you've spotted something that looks wrong in a calculator, please tell us — we take corrections seriously and want every result to be right.