Trust & authorship
About Nestfigure
Who builds Nestfigure, how we publish, and where to find the math behind each calculator.
Who builds Nestfigure
John Rey Balais
Developer · Nestfigure
I’m a developer building Nestfigure—free personal finance calculators and educational guides. I focus on clear math, transparent assumptions, official U.S. source citations where claims need them, and tools you can use without signing up.
Nestfigure is not a bank, broker, employer, or adviser. Calculator results are educational estimates under documented formulas—not offers, rate quotes, payroll, or personalized advice. Report factual errors via the contact form.
What we build
Nestfigure stays in personal finance: free calculators, short guides, worked examples, and common questions. Live tools include the CD calculator, raise calculator, overtime calculator, paycheck calculator, loan calculator, student loan calculator, auto loan calculator, mortgage calculator, mortgage refinance calculator, biweekly mortgage calculator, 50/30/20 budget calculator, tip calculator, emergency fund calculator, net worth calculator, percent-off calculator, commission calculator, hourly to salary calculator, sales tax calculator, home affordability calculator, savings goal calculator, compound interest calculator, simple interest calculator, ROI calculator, 401(k) calculator, break-even calculator, how long will savings last calculator, inflation calculator, debt-to-income calculator, and credit card payoff calculator. Each one lets you share results, copy numbers, download a PDF, or open a ready-made example—free learning tools with the same clear layout.
Browse all calculators or all guides (grouped by calculator).
Who authors this content
Content is published by Nestfigure and written or reviewed by John Rey Balais. We do not invent guest “expert” personas or fabricated credentials. Deposit topics cite CFPB, FDIC, and NCUA materials; wage and price context cites BLS; federal withholding context cites IRS Publication 15-T. We do not invent live bank rates or personal “good raise” judgments.
Where to find how we calculate
This About page is about people and how we publish—not the full math for each tool. For formulas, assumptions, and what we leave out, open:
- How we calculate
- CD calculator math
- Raise calculator math
- Credit card payoff math
- Overtime calculator math
- Paycheck calculator math
- Loan calculator math
- Student loan calculator math
- Auto loan calculator math
- Savings goal calculator math
- Compound interest calculator math
- Simple interest calculator math
- ROI calculator math
- 401(k) calculator math
- Break-even calculator math
- Savings duration calculator math
- Inflation calculator math
- Debt-to-income calculator math
- Mortgage calculator math
- Mortgage refinance calculator math
- Biweekly mortgage calculator math
- 50/30/20 budget calculator math
- Tip calculator math
- Emergency fund calculator math
- Net worth calculator math
- Percent-off calculator math
- Commission calculator math
- Hourly to salary calculator math
- Sales tax calculator math
- Home affordability calculator math
Guides, examples & questions
- All guides & examples
- Common questions
- CD questions
- Raise questions
- Credit card payoff questions
- Overtime questions
- Paycheck questions
- Loan questions
- Student loan questions
- Auto loan questions
- Savings goal questions
- Compound interest questions
- Simple interest questions
- ROI questions
- 401(k) questions
- Break-even questions
- Savings duration questions
- Inflation questions
- Debt-to-income questions
- Mortgage questions
- Refinance questions
- Biweekly mortgage questions
- 50/30/20 budget questions
- Tip calculator questions
- Emergency fund questions
- Net worth questions
- Percent-off questions
- Commission questions
- Hourly to salary questions
- Sales tax questions
- Home affordability questions
Calculators
- CD calculator
- Raise calculator
- Overtime calculator
- Paycheck calculator
- Loan calculator
- Student loan calculator
- Auto loan calculator
- Mortgage calculator
- Mortgage refinance calculator
- Biweekly mortgage calculator
- 50/30/20 budget calculator
- Tip calculator
- Emergency fund calculator
- Net worth calculator
- Percent-off calculator
- Commission calculator
- Hourly to salary calculator
- Sales tax calculator
- Home affordability calculator
- Savings goal calculator
- Compound interest calculator
- Simple interest calculator
- ROI calculator
- 401(k) calculator
- Break-even calculator
- How long will savings last calculator
- Inflation calculator
- Debt-to-income calculator
- Credit card payoff calculator
- All calculators
Primary external references we rely on
- CFPB — Regulation DD (Truth in Savings)
- CFPB — What is a CD?
- FDIC — Deposit insurance
- NCUA — Share insurance coverage
- BLS — Employment Cost Index (wages & salaries)
- IRS — Publication 15-T (federal income tax withholding methods)
Contact
Use the contact form for questions, corrections, or feedback about Nestfigure calculators and guides.
Last reviewed: July 22, 2026.
YMYL notice: This site is for education only. It is not financial, tax, or investment advice. Nestfigure is not a bank, credit union, broker, investment adviser, or fiduciary. Product terms, rates, and penalties vary—always read your institution’s disclosures before acting. Calculator results are mathematical estimates, not bank quotes.