There are 2 people here, and that is the whole list. No editorial board, no rotating bench of contributors, no ghostwriters, and nobody on this page holds a licence to give financial, tax, or medical advice. If a calculator on this site turns out to be wrong, one of the two names below is responsible for it, and the corrections page says how that gets fixed.
Every calculator names its author and its reviewer on the page itself, with the date. Where those are the same person, the byline says "self-reviewed" rather than implying a second opinion that did not happen — 76 of the 81 published calculators are in that position today.
Jay Sudha
Founder, author and maintainer
Jay Sudha is a business operator who builds spreadsheet-based calculators. jaysudha.com · linkedin.com
Jay Sudha researches, builds, tests, and reviews every calculator on the site — all 81 of them — and writes the explanations, worked examples, and limitations that go with each one. The process, step by step, is on Methodology, and the automated formula tests behind it are counted publicly on Formula Verification.
Not: a licensed financial adviser, tax preparer, legal adviser, lender, accounting firm, investment adviser, clinician, or government authority. Nothing on this site is professional advice, and for a high-stakes decision you should check an official source or a qualified professional. See the full Disclaimer.
Paras Arora
Property and home-loan reviewer
Paras Arora is a real estate advisor who has worked in property since 2020 — first at Square Yards, and since 2023 as founder of Blue Vistas in Gurugram — after studying automobile engineering at Vel Tech University, Chennai. bluevistasindia.com · linkedin.com
Paras Arora reviews 5 calculators on this site — the ones where his day job is the relevant expertise. He checks the assumptions, the input labels, and whether the worked examples match how these deals are actually structured. Each page below names him and the date he reviewed it:
- Home Affordability Calculator
- Mortgage Calculator
- Mortgage Refinance Calculator
- Real Estate Investment Calculator
- Rent vs Buy Calculator
Disclosure: Paras Arora and Jay Sudhaare both directors of Blue Vistas, the firm named above. Read his review as a second qualified pair of eyes on the assumptions, not as an arm's-length audit by an unrelated party.
Not: a licensed financial adviser, mortgage broker, or tax professional. His review is not professional advice, and it does not make the calculators on this page advice either.
How the work is divided
Jay Sudha writes and builds everything. Paras Arora reviews the calculators in his own field, and only those — a property broker has no business signing off a tax bracket or a BMI formula, and this site does not ask him to. Everything outside those 5 pages is written and checked by the same person, and says so on the page.
That is a real limitation, not a modest way of describing something bigger. It is written down here, on each calculator's byline, and in the structured data, so it cannot quietly stop being true.
What this page is not claiming
- No unnamed "editorial team" standing behind the byline — the list above is complete.
- No licensed professionals on staff, and no professional review of any calculator.
- No academic credentials are claimed for anyone here. Where someone holds a real licence with a public register, it would be listed beside their name and linked to that register; nobody here has one.
- No paid placements or sponsored calculators. See Advertising Disclosure.
Adding someone to this page
A person is listed here only once they have reviewed something specific, and only with a public profile someone else can check. Wanting to help is not enough to get a name on a byline, because a name on a byline is a claim readers are entitled to verify. If you have relevant professional experience and want to review the calculators in your field, the contact page reaches Jay Sudha directly.