An independent project. Nothing to sell.
The Finance Algorithm is a free set of 145 calculators for Australians, alongside every bank product and energy plan exactly as its provider publishes it. No bank owns it, and nobody pays to shape the answer you get.
Calculators that show their working
Every tool runs a real formula (ATO tax brackets, the RBA cash rate, APRA's serviceability buffer, each state's stamp duty schedule) and shows the numbers behind the result. They're free, there's no sign-up, and the figures you type aren't stored.
Every rate, from the source, every night
Australian banks and energy retailers have to publish every product they sell, with its rates, fees and conditions, through the Consumer Data Right. Each night this site reads all of it, puts it into one format and lays it out side by side in the banking and energy sections. Products are ordered by the published number you sort on, withdrawn products stay visible as withdrawn, and every change is kept in the open.
Most finance calculators belong to someone selling something
Search for a mortgage or tax calculator and almost every result is run by a bank, a broker or a lead-generation business. The tool is free because you are the product, and the answer quietly nudges you toward whatever earns them a commission.
This site is built the other way round. There's no company behind it, no affiliate links and no product recommendations. Google ads cover the running costs, and they never change a result or the order products appear in. The maths is just the maths.
One person builds it: Maverick
This is a personal project, built and maintained by one person who goes by Maverick. The aim is simple: make Australian financial maths free, accurate and open enough that you can check it yourself.
It isn't a registered business, and Maverick isn't a licensed financial adviser. That's said plainly on purpose: knowing what something isn't matters as much as knowing what it is.
Ads, and nothing else
The site shows Google ads, labelled as ads. That's its only income: no sponsorships, no affiliate commissions, no paid placement and no selling of data. Google chooses which ads appear, so a bank can show up in an ad slot, but never in a result or a ranking because of it. If that ever changes, it will be said here first.
See how the numbers are built
Every figure traces back to a primary source, and every calculator can be checked. The methodology page explains how.