About LoanCalc.tech — Editorial Team, Methodology & Trust

Our mission

Most loan and mortgage calculators on the open web are either hidden behind a lender's lead-capture funnel or written so thinly that they obscure the math. LoanCalc.tech exists to fix that. We publish free calculators that match the formulas regulators actually require — RBI's reducing-balance EMI framework, the CFPB's APR-and-Loan-Estimate framework, the Bank of England base rate framework — and explain the result in clear English, with worked examples in real money.

The editorial team

Evelyn Jordan

Founder & senior editor — Mortgages, refinancing, U.S. lending

Evelyn writes and audits the mortgage, refinance, and U.S. lending content on LoanCalc.tech. She has 12 years of consumer-finance writing experience and previously covered mortgages and household credit for fintech and financial-media publishers. She holds a B.A. in Economics and is the founding editor of LoanCalc.tech.

Rohan Patel, CFP

Reviewing financial planner — India, EMI, debt strategy

Rohan is a Certified Financial Planner (CFP) who reviews every loan, mortgage, and personal-finance article on the site for accuracy. He has advised retail borrowers on home loans, balance transfers, and debt-restructuring strategies for over nine years and specializes in Indian retail credit, RBI policy, and household debt planning.

Anika Shah

Engineer & calculator-formula auditor

Anika maintains the calculator codebase and audits every formula against published regulatory frameworks. She has a B.Eng. in Computer Science and 10 years of experience building consumer-finance and trading software. She tests every calculator against three independent reference implementations before release.

Methodology & fact-checking

Formulas first. Every calculator on the site uses a published, regulator-recognized formula (e.g. RBI/CFPB amortization, ISO 31-1 inflation indices). We never invent “approximate” shortcuts.
Three-implementation testing. Each calculator is cross-checked against two independent reference implementations (a spreadsheet and an open-source Python module) before publishing.
Reviewed by a credentialed planner. Loan, mortgage, and credit-card content is reviewed by Rohan Patel, CFP. Inflation and retirement content is reviewed by an external CFA contributor.
Citations to primary sources. When we cite a rate range, regulatory rule, or statistical figure, we link directly to the regulator (RBI, CFPB, Federal Reserve, FCA, Bank of England) — never to second-hand summaries.
Quarterly content review. Every calculator and major guide is re-audited every 90 days. The “Updated” date on each page is real, not a templated stamp.
Corrections policy. If we get something wrong, we update the page, log the correction at the bottom, and notify any subscriber who flagged the error.

Editorial independence

LoanCalc.tech does not accept payment from lenders, banks, brokers, or affiliate networks in exchange for favorable rate ranges, calculator placements, or article content. We may run anonymous display advertising via standard ad networks; those advertisers have no input into our editorial calendar, formulas, or comparisons. If we ever introduce affiliate links to lenders, they will be clearly labelled and never affect the rate ranges or comparisons in our guides.

Privacy & data

Every calculator on this site runs entirely in your browser. Your loan amounts, rates, and inputs never leave your device — they're not transmitted to any LoanCalc.tech server. Only your locale and currency preference are saved locally so the calculators feel familiar on return visits. Read the full privacy policy for specifics.

Contact & corrections

Spot a mistake, have a question, or want to suggest a calculator? Email support@loancalc.tech. We read every message and reply within two business days.

Standards we follow. CFPB · RBI · Federal Reserve · Bank of England · FCA.

Independent finance tools, verified math, real numbers