About Calccents
Calccents publishes financial calculators and the explanations behind them. It is a small site with a narrow purpose: produce a number you can check, and show you the working that produced it.
What this site is
Three calculators, fifteen guides, and the primary sources behind both. The calculators take numbers you supply and apply a published formula: the amortization formula for a mortgage, a month-by-month cash comparison for renting against buying, and the compound interest formula for a savings balance.
The site is funded by display advertising. That shapes how it is built. Pages load quickly and carry little JavaScript, because a page that loads fast keeps the reader long enough to see the advertising, and because a page that loads fast is the one people come back to. No calculator asks for an email address, and no result is gated.
What this site is not
It is not a brokerage, it does not accept applications, and it does not earn a commission from anyone who clicks anything. There are no sponsored placements, no affiliate links and no lead forms. The advertising is display advertising and nothing else, which means the only thing a reader's visit pays for is the reader's attention.
No tool here evaluates your circumstances. A mortgage calculator that returned "put down 20 percent" would be wrong most of the time, because the right answer depends on things the page cannot see: your other savings, your job, your tolerance for a bad month. So every tool computes and stops there.
The rules the site follows
- Every tool states its limits. Under each result there is a block listing what the tool does not do, in the same words on every page.
- Every figure that comes from somewhere has a source.Guides link to the primary source and carry the date the data was read. The site's own arithmetic is shown in full.
- Every page carries a review date. A guide that has not been looked at in a long time says so.
- AI drafts, human review. Drafting tools help with the words. Every published page has been read by a person who checked the arithmetic, the units and the claims.
Who runs this
Kostan Proff. Engineer by trade. Writes the guides, maintains the calculation engine, and checks every published figure against a primary source. The code that does the arithmetic is public, and the formulas are covered by unit tests that run on every change. Theeditorial page sets out what the review checks before a page goes live, and thecode is public — the formulas, the unit tests and the checks that block a release with a broken page.
How the calculators work
The arithmetic runs in your browser. There is no server that receives the numbers you type, and nothing about a calculation is sent to anyone. The formulas are implemented once, in one place, and covered by unit tests that check them against known published loan figures and against the invariants the mathematics requires — that a schedule sums to the amount borrowed, that a loan closes at exactly zero, that an interest-free balance grows by the deposits alone.
Corrections
If a figure is wrong, a source link is dead or a page contradicts itself, that is a defect and it should be fixed. Thecontact page says how to report one, and every correction results in a changed review date rather than a silent edit.