Our calculation methodology
Reviewed by James Wilson, CFP | Last reviewed April 2026
Every number ClearFi shows you is based on standard financial formulas used by certified financial planners and major financial institutions. Here's exactly how each tool works.
Our principles
Transparency
We show our work. Every formula we use is documented here so you can verify our calculations independently.
Standard formulas
We use industry-standard financial formulas — the same ones used by banks, financial advisors, and the Consumer Financial Protection Bureau (CFPB).
Conservative estimates
Where assumptions are required, we err on the side of caution. We would rather show you a slightly harder truth than a misleadingly optimistic result.
Regular review
Our calculation methodology is reviewed periodically to ensure accuracy and compliance with current financial standards.
Tool methodology
Click any tool below to expand its full methodology, or jump directly to a section:
Important disclaimer
The calculations and scores provided by ClearFi are estimates for informational purposes only. They are based on the information you enter and standard financial formulas. Results should not be considered financial advice. Always consult a certified financial planner or financial advisor before making significant financial decisions. ClearFi is not a licensed financial advisor, broker, or fiduciary.
This methodology was last reviewed in April 2026.
Have a question about our calculations? Contact us at hello@getclearfi.com