About USFinCalc

Who's behind USFinCalc

USFinCalc is built and maintained by Baolin Gong, founder of WisePath Technology LLC, a Delaware-registered company. Baolin previously earned the AFP (Associate Financial Planner) designation and has years of hands-on experience in personal finance and US tax planning. That background — combined with a software engineering practice — is why this site pairs careful financial modeling with tools that are fast, free, and genuinely accurate. Every calculator and guide here is written and reviewed against primary tax sources before it ships. You can connect with Baolin on LinkedIn.

Authored and reviewed by Baolin Gong, AFP · Last reviewed July 2026.

Why we built this

Most online financial calculators stop short. A mortgage tool shows principal and interest but skips the property taxes, insurance, and PMI that make up a large share of the real payment. A paycheck tool ignores the state you actually live in. An equity calculator forgets that your RSUs are withheld at a flat rate that may be far below your real bracket. USFinCalc exists to close that gap. We build calculators that model the costs and taxes that actually reach your bank account, so the number you see is one you can plan around.

How we source our data

Accuracy in financial content depends on current, authoritative data. We base our tax figures on primary sources, including:

• Federal income tax brackets and standard deductions published by the Internal Revenue Service (IRS);
• Social Security wage base and FICA rates from the Social Security Administration (SSA);
• State income tax rate structures from each state's revenue authority.

We review these figures when new annual numbers are released and update our calculators accordingly. Tax data on the Site reflects the year noted on each calculator.

Our approach to accuracy

Every calculator's math is cross-checked against known reference values before it ships. We are deliberately transparent about where we simplify: state income tax, in particular, uses generalized rate structures rather than modeling every local tax, deduction, and credit — a tradeoff we make to keep the tools fast, free, and broadly useful. Each calculator states its assumptions, and our Disclaimer explains the limits in full.

Editorial and review policy

Every calculator and guide on USFinCalc is written and reviewed by Baolin Gong against primary sources before it is published. Our process is deliberate:

• Sourcing. Tax rates, contribution limits, and wage bases come from primary authorities — the IRS, the Social Security Administration, and state revenue departments — never from secondary or aggregated sites.
• Verification. Each calculator's math is cross-checked against a known-good reference value before it ships, and the assumptions behind every tool are stated on its page.
• Annual updates. When new tax-year figures are released (typically each January), we update the affected calculators and note the applicable year on each tool.
• Corrections. If you find an error, tell us through the Contact page. We investigate every report and correct confirmed issues promptly.

We do not use these tools to give individualized financial advice, and we say so plainly on every page. They are accurate estimates to help you plan — not a substitute for a licensed CPA or CFP.

Privacy by design

Your financial inputs are nobody's business but yours. Every calculation runs entirely in your browser. We never transmit, store, or sell the numbers you enter, and we require no account or sign-up. You can read the specifics in our Privacy Policy.

How we stay free

USFinCalc is operated by WisePath Technology LLC and supported by unobtrusive third-party advertising. That is what lets us keep every tool free for everyone, with no paywalls and no premium tier.

Get in touch

Spotted an error, or want a calculator we don't have yet? We'd genuinely like to hear it — reach us through the Contact page.