About the author
Shivam Rai
Founder & builder of GrowMoneyy
I build and personally verify every calculator and guide on this site - from the tax math to the worked examples in the articles. If a number here is wrong, that's on me, and I want to know about it.
Who I am
I'm a personal-finance and markets enthusiast who got tired of online calculators that were cluttered, out of date, or hid the actual math. GrowMoneyy is my answer to that: free, fast, transparent tools that show their work.
By day I work in data-driven growth and analytics; on the side I build my own algorithmic trading and investing systems. So working with numbers - ROI, interest, taxes, compounding, risk - is second nature, not a topic I picked up to fill a website.
Why you can trust the numbers
I'll be straight with you about what I am and what I'm not. I'm not a licensed US tax professional or a financial advisor, and GrowMoneyy doesn't pretend to be one. What I do instead is build every tool directly from primary sources - the IRS, theSocial Security Administration, and each state's revenue department - and then check the output against those sources by hand before anything ships.
Every calculator and guide shows the sources behind its numbers and thedate it was last reviewed, so you never have to take my word for it - you can verify the figures yourself. When tax rules or rates change, I update the tools and re-date them. You can read the full method on the About page.
What I've built here
Free tools including the US take-home pay calculator (all 50 states), a mortgage payment calculator, adebt payoff planner, a retirement / 401(k) calculator, and a compound interest calculator - each paired with plain-English guides that explain the concepts without the jargon.
Get in touch
Spotted an error, or have a tool you wish existed? Contact me - genuinely, I read every message and corrections are welcome. Accuracy matters more to me than being right.
You can also connect with me on LinkedIn.
GrowMoneyy is an independent educational site. Its tools and guides provide estimates for learning purposes only and are not financial, tax, or legal advice. For decisions that matter, confirm with a qualified professional or the official source.