About CentCompass
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- CentCompass
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CentCompass builds free financial calculators for everyday money decisions in the United States — mortgages, paychecks, federal income tax, retirement, and investing.
Our goal is to make the math behind these decisions transparent. Every calculator runs entirely in your browser, shows its results clearly, and links to the methodology and official data sources behind it.
CentCompass is maintained independently by a developer working with financial data and tools. There is no editorial team and no separate reviewer: the same person writes each page and checks its figures against the official publications cited on it before publishing. Every regulatory figure is traceable to the primary source listed on our data sources page, so you can verify any number yourself rather than take ours on trust.
We do not sell financial products and we are not a registered investment advisor. Our calculators are educational tools, not advice.
Sources
How this page is produced
Editorial process. CentCompass is maintained independently, and this page is written and checked against the official publications listed above before it goes live. There is no separate editorial reviewer. This page was last checked on . See our editorial policy.
How the calculations work. Every result comes from a small, unit-tested calculation engine rather than a spreadsheet or a hardcoded table. Loans use the standard amortization formula, growth uses compound-interest math, income tax applies the federal progressive brackets, and payroll applies Social Security and Medicare rules. Our methodology sets out each one.
Where the figures come from. Tax brackets, standard deductions, FICA parameters, and contribution limits are stored once in a dated registry and read directly by the calculators — the same values appear in the text above, so the two can never drift apart. Each figure records its source, effective tax year, and review status on our data sources page.
Update policy. Regulatory figures are checked against their primary source when the IRS, SSA, or another authority publishes new values — typically each autumn for the following tax year — and again at the scheduled review date recorded for each dataset. Figures that have not been checked yet are marked as draft on the data sources page until that check is complete.
Educational purposes only — not financial, tax, or investment advice (disclaimer).