Understand the estimate
A useful calculation makes its assumptions visible.
What a calculator can tell you
MoneyCalc models the inputs you enter. Results are scenarios, not lender quotes, tax filings, investment recommendations or promises about future returns. The planning tools show their formula, a worked example and the costs or behaviors they omit on each page.
Compare the same units
Use the same currency and time period across inputs. A monthly expense should not be compared with annual income. Gross salary is before deductions; cash runway uses take-home income. Future dollars should be compared with future dollars, or both figures should be adjusted for inflation.
Rates and timing matter
The new savings-withdrawal and cost-of-waiting tools use effective annual returns, converted to monthly rates with (1 + annual return)^(1/12) − 1. Monthly cash flows occur at month-end. Other tools may use nominal annual rates divided into monthly periods, so read the explanation on the specific calculator before comparing outputs.
Rounding and model boundaries
The new planning tools retain precision during calculations and round monetary results for display. Break-even sales round up to whole units. Savings-withdrawal scenarios stop at 100 years; exceeding that horizon does not prove that withdrawals are sustainable in real markets. A fractional final month represents part of a withdrawal, not an exact calendar date.
Tests are not an independent financial review
Automated tests check examples and boundaries such as zero returns, missing inputs, negative returns and non-positive business margins. Passing tests does not make every assumption suitable for your circumstances. No independent professional certification or review is claimed.
Check and report a result
Compare the formula and assumptions with your own records. If something appears wrong, contact MoneyCalc with the calculator name, non-sensitive example inputs and the result you expected. Do not send account credentials or private financial documents.