About FinWiser
Free, accurate financial calculators and plain-English guides so that anyone can understand their numbers before making a big money decision.
Who built this
Pavel Borishkevich
Pavel is a software engineer and personal finance enthusiast who built FinWiser to make financial math accessible to everyone.
I built FinWiser because I kept running into the same problem: calculators that gave you a number but didn't explain the math, and articles that gave you advice but not the tools to act on it. FinWiser combines both in one place — every article links directly to the calculator it's explaining.
Why it exists
Financial decisions — buying a home, financing a car, paying off debt, starting to invest — are among the most consequential choices most people make. Yet the math behind these decisions is often buried in fine print, explained poorly, or hidden behind expensive advisors.
FinWiser exists to fix that. Every calculator and every article is designed to help you understand why a number is what it is — not just what the number is.
How the calculators are built
All calculators use standard financial formulas — the same formulas used by lenders, banks, and financial institutions. The mortgage calculator uses the standard amortization formula; the compound interest calculator uses the standard future-value formula; the debt payoff planner applies avalanche and snowball logic to actual payment schedules.
Each calculator shows full amortization or payment schedules so you can verify the math yourself, not just trust the output. I review formulas and spot-check results against published lender calculators to catch any drift.
Accuracy & editorial standards
Articles are researched using publicly available financial data and reflect widely accepted personal finance principles. Any averages cited (such as interest rate benchmarks) can change over time — I encourage you to verify current rates with your lender before making decisions.
Important: FinWiser is an educational tool, not a licensed financial advisor. The information on this site is for informational purposes only and should not be construed as financial, tax, or legal advice. Always consult a qualified professional before making significant financial decisions.
The calculators
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Mortgage Calculator
Full PITI payment with PMI, extra payments, and amortization schedule.
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Car Loan Calculator
Monthly payment, total interest, sales tax, trade-in, and affordability check.
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Loan Amortization Calculator
Complete amortization schedule for any loan amount, rate, and term.
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Debt Payoff Planner
Avalanche vs. snowball comparison with custom extra payment.
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Compound Interest Calculator
Investment growth with monthly contributions and configurable compounding.
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Compare Mortgages
Side-by-side comparison of up to three mortgage scenarios.
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Biweekly Mortgage Calculator
See how biweekly payments reduce your mortgage term and total interest.
Questions & corrections
Found an error in a calculation or article? I want to know — accuracy matters on financial content and I take corrections seriously.
Get in touch →