Financial Mathematics You Can Check Yourself
Toro Finance Hub is an independent project that publishes the formula behind every number it shows you. Most consumer calculators hide their assumptions; these state them on the page, including the ones that make the answer less flattering.
Why This Platform Was Built
Most consumer finance calculators on the internet are deliberately simplified to generate quick loan or insurance leads. They obscure underlying interest compounding formulas, ignore the devastating impact of inflation on long-term purchasing power, and present misleading point-to-point trailing returns that suffer from severe start-date bias.
This site is independent — not a firm, not a research house, and not funded by anyone whose products it might evaluate. It is free, carries no affiliate links, and does not sell leads. Where a calculator is uncertain or a data source is simulated, the page says so rather than projecting false confidence.
Actuarial Precision
Theory-Backed Guides
Zero Commercial Bias
Where the Benchmark Data Comes From
The rolling-returns and walk-forward tools run on real month-end closing levels, retrieved from Yahoo Finance and stored in this repository as a generated data file. They are refreshed by re-running a script, so the numbers you see are the numbers the market actually printed — not a model of them.
From Dec 1994. Covers the dot-com crash, the 2008 financial crisis, the 2020 COVID drawdown and the 2022 selloff.
From Dec 1994. Includes an 81% peak-to-trough drawdown on month-end closes that took more than 15 years to recover.
From Sep 2007 — that is where this feed begins, so it cannot describe earlier Indian market cycles, and the tool refuses windows longer than the data supports.
From Aug 2000. Front-month COMEX futures in USD per troy ounce — close to spot, but not the LBMA fix.
Two limits worth stating plainly
- These are price indices. Dividends are excluded, so the returns shown understate what a reinvesting investor earned — by roughly 1.5 to 2 points a year for broad equity.
- Coverage is whatever the feed provides, and it differs by index. Every tool displays the exact first and last month of the series it used, and refuses to compute a window longer than the data supports rather than padding it.
The only modelled series is the blended 60/40 preset, which has no single ticker behind it. It is generated from a mean and volatility assumption and is labelled Modelled wherever it appears, never mixed in with measured history.
You can also skip our data entirely: the rolling-returns tool accepts your own monthly NAV or price history via the upload tab, and analyses it as-is.
Our Verification & Corrections Policy
Calculations in @toro/financial-engine are checked as follows:
Where a formula has an exact analytical solution — EMI, annuity present value, compound interest, CAGR — the iterative schedule is checked to agree with it, so the year-by-year tables reconcile with the headline figures rather than drifting away from them.
Compounding conventions, tax jurisdiction, and what each model ignores are written on the tool itself. Tax rules are selected explicitly by jurisdiction — changing the display currency never changes which country's law is applied.
If a number looks wrong, please report it through the contact form. This is a one-person project, so there is no guaranteed turnaround time — but reported calculation errors are the first thing looked at.