Methodology & accuracy

Every calculator on Tooliv0 publishes its exact formula, a worked example, and the assumptions behind the results. You can verify each method yourself.

Our calculations follow standard financial mathematics. Mortgage payments use the standard amortization formula. Loan calculators apply fixed-rate amortization. Savings and investment calculators use compound-interest formulas with configurable compounding frequency.

We cross-check each calculator against published reference cases from reputable sources before launch. Automated unit tests cover zero values, negative inputs, very large numbers, and other edge cases.

Each time we update a calculator, the full test suite re-runs to ensure results have not silently drifted. If you find a discrepancy, please email us at contact@tooliv0.com.

• 1Formula Specification
• 2Reference Cases
• 3Unit Tests
• 4Edge Cases
• 5Cross-check