Company · Who we are
About ToolGrym
ToolGrym builds free, verifiable financial calculators. Learn who we are, how the tools work, and why every formula is shown in full.
ToolGrym is a collection of free financial calculators for the decisions most households actually face: taking on a mortgage, paying off debt, building savings, planning for retirement, and understanding what a paycheck is really worth.
Every calculator is built for the United States: amounts are in US dollars, and the retirement and tax-advantaged tools assume US accounts and rules — 401(k) contribution and match mechanics, IRA/Roth IRA treatment, and PMI on conventional mortgages. If you're outside the US, the math concepts still apply, but the specific thresholds, account types, and currency won't match your situation.
What makes these calculators different
Most calculator sites treat the math as a black box. We do the opposite. Every ToolGrym calculator page shows the exact formula it uses, walks through a worked example with real numbers, and links to authoritative sources — the Consumer Financial Protection Bureau, the Federal Reserve, the IRS, and Investor.gov — so you can verify anything we publish.
Under the hood, every calculation is implemented as a pure, tested function. Each formula is pinned to known reference values in an automated test suite that runs before any change goes live. If a calculator says a $300,000 mortgage at 6.5% over 30 years costs $1,896.20 a month, that number has been checked against the standard amortization formula — not copied from another website.
How the site makes money
ToolGrym is free to use and is designed to be supported by advertising. When ads are enabled, they never change a calculation, never appear above a calculator, and are clearly separated from content. We do not sell financial products, accept payment for recommendations, or share the numbers you type — all calculations run in your browser and are never transmitted to us.
Who makes this site
ToolGrym is built and maintained by the ToolGrym editorial team. We don't publish invented bylines or credentials. Our accuracy process combines tested formulas, numerical examples checked against the calculator functions, and claims traced to cited primary sources. Our editorial policy describes the process and its limits in detail. Our calculator methodology explains timing, rounding, uncertainty, and how to stress-test a result.
Contact
Found an error, or want a calculator we don't have yet? Email us at [email protected] or use the contact page. Corrections are triaged first and typically shipped within days.