About Breakeven Math

What this site is

Breakeven Math is a library of financial calculators and explanatory articles. Each calculator takes a decision people commonly face — refinance or stay, claim at 62 or 70, lease or buy — and shows the arithmetic behind it: the assumptions, the formula, and the point at which one option overtakes the other.

The site shares information. It does not give advice. No page is tailored to any reader’s circumstances, and no page tells a reader what to do. The calculators produce estimates from the inputs provided; readers decide what, if anything, to make of them.

How the calculators work

Every calculator runs entirely in your web browser. The inputs you type are processed by JavaScript on the page and are never transmitted to a server, stored, or logged by this site. Closing the tab discards them. You can confirm this in your browser’s developer tools: the only network requests are for the page itself, its styling and charting libraries, and advertising.

Calculator pages state their assumptions and the data sources behind default values, and each page is being brought up to a common structure that also records the date its figures were last checked. Tax-year constants (brackets, contribution limits, thresholds) are being consolidated into a single shared file, which is reviewed against primary sources — IRS notices, SSA tables, and similar — when the agencies publish updates.

Who publishes it

Breakeven Math is published by InfoHub Digital LLC, a Virginia limited liability company. Content is written and maintained under the site’s name rather than under individual bylines; the methodology is documented on each page so that readers can check the math rather than rely on an author’s credentials. The publisher is not a registered investment adviser, broker-dealer, tax preparer, or law firm.

How the site is funded

The site is free to use and is supported by advertising served by Google AdSense. Advertisers do not influence which calculators are built, the formulas used, or the content of any article. See the Privacy Policy for how advertising cookies work on this site.

Corrections

If a figure is out of date or a calculation looks wrong, write to corrections@breakevenmath.com with the page URL and the inputs you used. Confirmed corrections are noted on the affected page with the date of the change. For anything else, write to hello@breakevenmath.com.