Personal-finance answers, with the math shown and the experts named.
Free calculators built on the actual IRS, SEC and FDIC numbers. In-depth guides on every major US money topic, fact-checked against primary sources by our editorial team. Every figure dated. Every page re-reviewed every year.
Built and published by Niels and Ferre Mekelenkamp.
Wealth Informatics is published by Wealth Informatics LLC, a Pennsylvania limited liability company. Co-founders Niels Mekelenkamp and Ferre Mekelenkamp oversee editorial direction, fact-checking, and the calculator infrastructure that powers the site.
The site is independently owned and not affiliated with any financial-services firm, broker-dealer, lender, or insurance carrier. No paid placements. No affiliate links. No “sponsored content.” Revenue comes from the SaaS tools we build on top of the free calculators, not from steering readers to products.
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No paywall. No “sign up to read more.” Every calculator and every guide on this site is freely accessible — and built to actually help you decide.
Free calculators
Over 100 calculators covering every major US personal-finance decision: paycheck, mortgage, retirement, Roth IRA, debt payoff, compound growth, capital gains, and the rest. Each one shows the formula it uses underneath the result — so you can audit the math, not just trust the output.
100+ calculatorsIn-depth guides
Over 400 guides on the topics that affect how your money actually works — current-year tax brackets, contribution limits, retirement-runway math, FICO scoring mechanics, mortgage-vs-rent break-even, capital-gains timing. Every figure cited inline to the federal agency that publishes it.
400+ guidesState-by-state coverage
A paycheck calculator for every US state plus DC. An income-tax calculator for every state that has one. Mortgage-specific calculators for the major markets. Updated annually for the current tax year, with bracket and withholding changes shipped within 30 days of any state revenue announcement.
All 50 states + DCMost personal-finance content online is recycled. Generic “you might want to consider…” filler citing an affiliate post citing another affiliate post. This site is built differently.
The numbers come from the source.
Tax brackets cite the IRS. Contribution limits cite the IRS. Securities rules cite the SEC. Bank-insurance rules cite the FDIC. Federal rates cite the Federal Reserve. No blog citations. No “experts say.” If we can’t link the figure to a federal source, it doesn’t go on the page.
Calculators show their working.
Every calculator does the math the IRS, SSA and FDIC publish — and shows the formula underneath. You can audit it. You can copy the math into your own spreadsheet. Nothing is hidden behind a black box, because the moment a six-figure decision rests on a calculator, you need to know exactly how the number was built.
The editorial team checks it.
Every page that touches a real money decision goes through structured editorial review — anchored to the primary source (IRS, SEC, FDIC, Federal Reserve, HUD, FHFA, SSA, CFPB), checked for factual accuracy and current-year applicability, and signed off by a named editor. The editor’s name and review date appear on the page. Every page is re-checked once a year.
Personal finance is too broad and too fast-moving for blog citations or aggregator data. So every figure on the site is anchored to the federal agency that publishes the rule — not to a secondary source, and not to memory.
Federal & state income tax, capital gains, deductions
Tax law changes constantly — bracket adjustments, contribution limits, new credits, expired provisions. Every figure is anchored to IRS Revenue Procedures, IRS Notices, and state revenue-department publications. The source link appears on the page and is verified to match the figure cited.
Retirement planning, Roth conversions, withdrawal sequencing
Retirement isn’t one decision — it’s dozens, made in a specific order over decades. Contribution limits come from IRS Notice 2025-67, Social Security figures from SSA fact sheets, RMD rules from IRS Final Regs T.D. 10001. Every retirement page is anchored to the publishing source.
Asset allocation, expense ratios, index-fund analysis
Investment content is the easiest place to publish nonsense. We anchor to SEC filings, FINRA notices, and peer-reviewed academic research from named institutions. Performance figures and expense ratios are cited to fund prospectuses or to the SEC EDGAR filing they appear in.
Mortgage products, refinance analysis, PMI, state rules
Mortgage rules vary by state in ways that materially affect your monthly payment. Conforming loan limits come from FHFA. FHA rules from HUD. Current mortgage rates from Federal Reserve weekly H.15 release and major lender published rate sheets. Every figure cited to the publishing source.
Debt payoff, credit reporting, federal student loans
Debt content online is full of bad-faith framing — predatory consolidation pitches dressed as advice. We anchor to CFPB publications, U.S. Department of Education program rules (for federal student loans), and FTC guidance (for debt-collection law). The framing is on your side because the source is.
Reg BI, fiduciary rule, advisor due-diligence
Some personal-finance topics sit on top of securities law — fiduciary duty, Reg BI, the difference between advisors and brokers. We anchor to SEC releases, CFP Board Code of Ethics, and cross-check advisor information via SEC IAPD (adviserinfo.sec.gov) and FINRA BrokerCheck.
There are no shortcuts on a page that touches your money. Every guide on the site follows the same five-step process — and the work is visible on the published page.
Research
Every figure traced to a federal source. Year-tagged. Cross-checked against the agency’s most recent publication.
Draft
Written to answer the actual question, with the math shown. Plain language. No “experts say” filler.
Review
A credentialed professional with the right qualification reads it. Signs off, requests changes, or rejects it.
Publish
Reviewer name, credential, sources and update date all visible on the page itself — not buried in a policy doc.
Re-review
Every page re-checked once a year. Anything that’s changed — limits, brackets, rules — gets updated.
Plenty of personal-finance sites try to be everything to everyone. We don’t. There are topics we cover with depth — and topics we deliberately don’t touch.
Not financial advice. Everything on this site is general informational guidance. For decisions involving your specific situation — tax filing, investment strategy, mortgage shopping, debt restructuring — consult a licensed fiduciary professional. Our advisors section covers how to find one and what to ask.
Personal-finance sites have a structural problem: most of them earn money from the products they recommend. We don’t. The site is free, and there’s no commercial relationship between what we publish and what we cover.
The calculators are free. The guides are free. No paywall, no “members-only” tier, no email gate to read past the first paragraph. Everything published here is accessible to everyone.
We don’t earn money from financial products signed up through this site. No relationships with banks, brokers, or credit-card issuers shape what gets covered or how it’s ranked.
No sponsored content. No advertorial. No “this article brought to you by.” Articles and rankings are editorial decisions only — there’s nothing commercial that could influence them.
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