An independent desk for finance math.

What the desk will claim

The site is published by the IRA Calculator editorial desk. We do not invent a personal biography to make the math sound wiser. The authority we claim is narrow and checkable: the time value of money, lender-style cent rounding, and publicly published 2026 figures with the source named on the page.

There are 102 calculators and 111 blogs. Each calculator has its own fields. You press Calculate, and the result is computed in the browser from those fields. The blogs are dated 25 Oct 2026 and each one is about a single question, with a link to the tool that can take your inputs.

When a rate is live

If a live currency feed answers, the currency calculator uses it and says so. If it does not, the page says it is using reference rates. That distinction matters more than a number that pretends to be certain. A bank’s retail spread is never included, because we do not know your bank’s price.

How the pages are organized

Home leads with the traditional IRA calculator because that is the name of the site. The other tools sit in eight groups: home and mortgage, auto, investing, retirement, tax and income, credit and debt, business, and everyday money. Topic pages list every tool in the group. The site map lists them again for readers and for crawlers.

A calculator page has one heading, the form, a result that appears after Calculate, a chart and a schedule when the formula has a series, and a written walkthrough of the opening example. Five questions sit at the end. The walkthrough uses that tool’s own labels and the result of its own opening figures, so a mortgage page does not read like a tip calculator.

What this site does not do

We do not take loan applications, sell securities, prepare tax returns, or store the numbers you type. You can write to hello@iracalculator.net. The methodology explains the formulas, the editorial policy explains how a guide is corrected, the privacy policy explains cookies and ads, and the disclaimer explains the limit on every result.

Ads, if a partner such as AdSense is enabled later, do not edit the formula and do not buy a place in the library. The privacy policy describes the cookies that choice would involve. An empty ad box is not left on the page in the meantime.

The mega menu lists six tools in each column and a link to the full topic. Clicking a name opens that calculator. The menu is not a second copy of the form. Search in the header finds calculators and blogs by name and sends you to a results page that robots.txt asks crawlers not to index, because a search URL is not a document.

Performance is part of the editorial claim. Pages are static where they can be, formulas run on your device, and the site does not wait on a server to price a loan. A live currency request is the exception, and the page says when the feed answered and when it did not.

More from what this site does not do

If you are reviewing the site the way a senior developer would, check three things on any calculator. There is one H1. Calculate produces a result from the fields, and Clear hides it. The walkthrough’s opening figure matches that result. Internal links use the real slug with a trailing slash. The sitemap index lists pages, calculators, and guides, and robots.txt allows those URLs while disallowing /search/.

The same review on a policy page should find a date, a contact address, and a limit on what the desk claims. About is this page. Privacy, terms, disclaimer, methodology, and the editorial policy are linked from the footer. None of them is a substitute for the lender, the IRS, or a qualified preparer.

Icons mark a category in the menu and a section on a guide so the heading is recognizable before you read it. Transitions on the menu and on the cards are short, so the page stays quick. They are not a substitute for a clear label. If a motion makes a control harder to hit, the control is wrong and should be fixed, which is why the calculator menu now stays open long enough for the click to land.

Host the site on a host that runs Node, because the app is Next.js. Build with npm run build and start the server. The public URLs already use a trailing slash. Point the domain at that process, keep HTTPS, and submit the sitemap index in Search Console. Do not upload only the source folder without the build, and do not turn the search page into something you ask Google to index.

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