About Off the Books
Our Mission
We’re on a mission to make personal finance simple, transparent, and accessible to everyone.
Too many financial decisions are made in the dark. Homeowners refinance without understanding break-even timelines. Investors buy individual stocks without understanding concentration risk. People pay fees without knowing what they’re getting in return.
We believe everyone deserves access to the same financial tools and insights that wealthy people use. That’s why we built Off the Books.
What We Do
Off the Books provides free, easy-to-use financial calculators that help you make smarter money decisions.
No jargon. No hidden agendas. No paywalls. Just clear, actionable insights that put you in control of your financial future.
Our Tools
Refinance Calculator
Our flagship tool helps homeowners understand whether refinancing makes sense for their situation. You’ll see:
- Personalized break-even timelines
- Monthly payment comparisons across different loan terms
- Long-term cost projections
- Clear visualizations of cumulative costs
Unlike other calculators that just show you a monthly payment, we help you understand the full financial picture so you can make an informed decision.
Why We Built This
Financial calculators shouldn’t be complicated. They shouldn’t be hidden behind paywalls. And they definitely shouldn’t be designed to confuse you into making decisions that benefit someone else.
We built Off the Books because we were frustrated by:
- Overly complex calculators that require a finance degree to understand
- Biased tools that push you toward specific products or services
- Incomplete information that doesn’t show the full picture
- Lack of transparency about how calculations are made
We wanted to create something different: tools that are genuinely helpful, completely transparent, and always free.
Our Approach
1. Clarity Over Complexity
We break down complex financial concepts into simple, visual insights. You don’t need a finance degree to use our calculators.
2. Transparency
We show you exactly how our calculations work. We cite our data sources. We explain our assumptions. No black boxes.
3. No Hidden Agendas
Our calculators are designed to help you make the best decision for your situation, not to push you toward any specific product or service.
4. Always Free
We believe financial tools should be accessible to everyone. Our calculators will always be free to use.
How We Make Money
We’re transparent about how we make money.
Our Site contains affiliate links to financial services like credit monitoring, mortgage lenders, and other products. When you click on these links and sign up for services, we may earn a commission.
These affiliate relationships help us keep our calculators free.
- The accuracy of our calculator results
- The rates or terms you receive from lenders
- Our recommendations or content
We only partner with companies we trust and believe provide genuine value to our users. We always disclose when a link is an affiliate link.
Our Values
Independence
We’re not owned by any bank, lender, or financial institution. We’re independent, and we plan to stay that way.
Accuracy
We use data from trusted sources like Freddie Mac and update our calculators regularly to reflect current market conditions.
User Privacy
We don’t store your financial information. Calculator inputs are processed locally in your browser, so your data stays private.
Continuous Improvement
We’re always working to make our tools better. If you have feedback or suggestions, we want to hear from you.
Who We Are
Off the Books was created by a team of finance enthusiasts who believe that good financial tools shouldn’t be locked behind expensive software or complex interfaces.
We’re not financial advisors. We’re builders and educators who want to help people make better financial decisions by giving them access to the same tools and insights that professionals use.
Our Commitment to You
We promise to:
- Keep our calculators free and accessible
- Maintain accuracy and transparency in all our tools
- Protect your privacy and never sell your data
- Continuously improve based on your feedback
- Be honest about how we make money
We will never:
- Charge you to use our calculators
- Store your financial information without your consent
- Sell your personal data to third parties
- Mislead you about our affiliate relationships
- Compromise accuracy for profit
Get in Touch
We love hearing from our users. Whether you have questions about our calculators, suggestions for new features, ideas for new tools, or feedback on how we can improve, we want to hear from you.
Email us: admin@offthebooks.money
We typically respond within 24-48 hours.
Frequently Asked Questions
Q: Are your calculators accurate?
A: Our calculators use data from trusted sources like Freddie Mac and are designed to provide accurate estimates. However, actual rates and terms vary by lender and individual circumstances. Always verify with qualified professionals.
Q: Do you store my financial information?
A: No. Calculator inputs are processed locally in your browser and are not stored on our servers unless you explicitly choose to save your results.
Q: How do you make money?
A: We earn commissions when users click on affiliate links and sign up for services. This helps us keep our calculators free. We always disclose affiliate relationships.
Q: Are you financial advisors?
A: No. We provide educational tools and information, not financial advice. Always consult with qualified professionals before making financial decisions.
Q: Can I suggest new features or tools?
A: Absolutely! We love feedback. Email us at admin@offthebooks.money with your suggestions.
Q: Will your calculators always be free?
A: Yes. We're committed to keeping our core calculators free and accessible to everyone.
Thank you for using Off the Books. We’re here to help you make smarter financial decisions.
Last updated: January 18, 2026