// myloanmath accountability
Corrections & Changes
Every fix and every change to these calculators, dated, with the size of the error stated plainly. If a number here was wrong, this page says so.
Financial calculators get things wrong. Most sites quietly correct them; this one publishes them, because a site
that never admits an error is not a site that never made one. Corrections are marked in red and state the actual
dollar impact wherever it can be quantified. If you think something here is still wrong, please
say so — it will end up on this page with your correction credited
if you'd like.
2026-08-02 5 corrections
Correction
State income tax — married filers in 11 states
Eleven states publish different bracket thresholds for married filing jointly, but the calculator was applying single-filer thresholds to every filing status, overstating tax for couples. Joint schedules are now modelled for Alabama, Connecticut, Hawaii, Kansas, Maine, Montana, Nebraska, New Mexico, Oklahoma, Oregon and Vermont. At $101,800 of taxable income the correction ranges from $40.00 (Alabama) to $1,108.80 (Hawaii).
Correction
State income tax — Delaware bracket alignment
Delaware does not tax the first $2,000 of taxable income. That untaxed band had been dropped, which shifted every subsequent bracket down one step, so the top 6.6% rate began at $25,000 instead of $60,000. At $58,900 of taxable income this overstated Delaware tax by $553.45 ($3,435.90 against a correct $2,882.45).
Correction
State income tax — Missouri and Oklahoma bracket alignment
The same class of error as Delaware. Missouri’s first $1,348 and Oklahoma’s first $3,750 of taxable income are untaxed; both bands had been dropped. At $58,900 of taxable income Missouri moves from $2,651.02 to $2,587.67, and Oklahoma from $2,564.00 to $2,435.75.
Correction
State income tax — Connecticut missing bracket
Connecticut’s 6.9% band, covering taxable income from $250,000 to $500,000, was absent, so 6.99% was being applied from $250,000 upward. The band has been restored for both single and joint filers.
Change
State income tax — nine states confirmed, not approximated
Arkansas, Delaware, Massachusetts, Missouri, Rhode Island, South Carolina, Virginia, West Virginia and the District of Columbia apply one bracket schedule to every filing status. This was verified rather than assumed, and the calculator now says so directly instead of carrying a filing-status caveat it did not need.
Change
Delaware HB 13 reviewed and deliberately not applied
Delaware House Bill 13 would add 6.75% and 6.95% brackets for tax years beginning after 31 December 2025, and at least one secondary source treats it as being in force for 2026. Legislative tracking shows it introduced in January 2025 and still pending in the House Revenue & Finance Committee. It is not law, so it is not modelled.
Change
Head-of-household filers now told when a figure is approximate
In the eleven states above, head-of-household thresholds are not separately published in the source used here, so single-filer thresholds stand in. The calculator now discloses this in its own result whenever head of household is selected, rather than presenting the number as exact.
Correction
Retired tool was still reachable
The cheque-amount-in-words page had been retired and redirected to the currency-to-words tool, but the redirect was never firing: the host serves an existing file in preference to a redirect unless the rule is forced. The rule is now forced and the URL has been removed from the sitemap.
Change
Brand and social sharing assets
The site referenced a favicon, an Apple touch icon and an Open Graph share image that did not exist, so shared links rendered without a preview. All are now present, generated from the site’s own colour and type tokens.
2026-08-01 1 correction
Correction
Loan Comparison — contradictory summary sentence
When one loan was cheaper on both total cost and monthly payment, the summary still read “despite a monthly payment that is … lower”, which contradicts itself. The sentence now branches on whether the cheaper loan’s payment is higher, lower, or the same, and a difference below one cent is reported as a tie rather than as a saving.
Change
Shareable and bookmarkable calculations
Fourteen calculators now encode their inputs into the page URL, so a scenario can be bookmarked or sent to someone else. Values arriving in a URL are validated against each field before being applied, and anything unrecognised is ignored.
Change
Financial Calendar published
A reference page of US and Canadian tax, contribution and document-arrival deadlines, with weekend and holiday shifts applied and any date whose sources disagree flagged as unsettled rather than guessed.
2026-07-31
Change
State take-home comparison guides
Side-by-side take-home pay comparisons between states, computed with the same code the salary calculator uses. Two further pairs were researched and deliberately not published because the difference between the two states fell inside the margin of error of the model’s own simplifications.
Change
Loan Comparison Calculator, walkthrough guides, and result charts
A side-by-side loan comparison tool, five worked walkthrough guides, and balance-over-time charts on the loan, auto loan, mortgage, debt payoff and 401(k) calculators.
How things get checked before they change
Every figure is verified against a primary source before publication — IRS publications and Revenue Procedures for US federal tax, CRA guidance for Canada, and each state or province's own revenue authority or statute where available. Where only secondary sources exist, they are cross-checked against each other and the calculator discloses the limitation in its own result rather than in fine print. Where sources genuinely disagree, the disagreement is stated and no side is picked.
Calculation logic is checked by recomputing an example by hand and comparing it against the code, not by reading the code and judging it correct. Changes are then tested through the rendered page itself, and every other calculator is re-run afterwards to catch anything the change broke elsewhere. The Methodology & Sources page lists the specific source behind each calculator, including what is still incomplete.
How this site is funded
MyLoanMath is free and supported by advertising. Ads never influence a calculation, a recommendation, or which tools exist — there are no affiliate links to lenders, banks, or tax preparers anywhere on this site, and no calculator result is shaped by anything commercial. Every tool runs entirely in your browser, and nothing you type is transmitted anywhere. See the privacy policy for what is and isn't collected.