About LocalCalc
The Mission
LocalCalc provides accurate, region-specific calculators for life's most important financial decisions across all 50 United States. We believe planning tools should reflect the real conditions where you live – not generic formulas that ignore critical state and local differences.
Why LocalCalc?
Most online calculators treat all US regions the same, missing crucial local details that can significantly impact your calculations, such as:
- Property tax rates that differ significantly across states.
- State-specific insurance averages that can alter your monthly budget.
- PMI rates and lending requirements that change based on region and loan type
- Regional market conditions like median home prices, that reflect local economies.
LocalCalc is building a suite of powerful, localized calculator pages across all 50 US states. We started with the most important one: the mortgage calculator.
Our Philosophy: Depth Before Breadth
Instead of building dozens of simple, generic tools, we believe in perfecting one calculator at a time. Our mission is to create the most advanced, accurate, and user-friendly mortgage calculator on the market.
Once we've perfected our flagship tool, we'll apply the same obsessive attention to detail to the next most important financial decisions.
Our Roadmap:- ✅ Mortgage Calculator (Live): The most comprehensive mortgage planning tool for the US market.
- ➡️ Car Loan Calculator (In Development): Applying our scenario-comparison engine to auto financing.
- ➡️ Personal Loan Calculator (Planned): Helping you understand the true cost of personal loans.
About the Founder
Ivana Andriskova, PhD
LocalCalc was founded by Ivana Andriskova, who holds a PhD in Telecommunications Economics with extensive experience analyzing complex regional data models and US market variations. Built LocalCalc after discovering that most calculators provide oversimplified, location-agnostic results that don't reflect real-world state and regional differences.
Specializes in systematic data collection and verification methodologies, ensuring every calculation reflects current, accurate regional conditions through official government sources, state agencies, and professional rate surveys.
US Market Focus
We specialize exclusively in the United States market because:
- Regulatory Expertise: Deep understanding of federal and state regulatory frameworks
- State-by-State Precision: Comprehensive knowledge of all 50 state variations
- Quality Over Breadth: Better to serve the US market excellently than spread thin across multiple countries
- Local Market Intelligence: Nuanced understanding of regional economic conditions
- Scalable Specialization: Ability to expand to city-level precision within proven framework
Commitment to Accuracy
- Monthly Verification: All state and regional financial data reviewed and updated monthly
- Official Sources: IRS, state agencies, and trusted financial data providers.
- Transparent Calculations: Every formula and data source clearly documented.
- Independent Platform: We build calculator tools only. We do not sell financial products.
- Cross-Reference Validation: Multiple authoritative sources for each data point.
Advanced Calculator Features
Our calculators go beyond basic number crunching:
- Scenario Comparison: Side-by-side analysis of different financial options
- Interactive Visualizations: Charts and graphs that update in real-time
- PDF Export: Professional reports for personal records or advisor meetings
- Mobile Optimization: Full functionality on all devices
- Regional Defaults: Pre-populated with local rates and state-specific conditions
- State Comparisons: Compare rates and costs across different US states
For Developers
Add LocalCalc's mortgage calculator to your website with our free embed widget. Perfect for real estate websites, financial blogs, or any platform serving homebuyers.
Available for Embedding
- Mortgage Calculator: Full-featured calculator with all 50 state variations
- Automatic rate updates when we refresh regional data
- Mobile responsive design that adapts to your site
- Zero maintenance required on your end
- Free for standard website integration
Note: Currently only the mortgage calculator is available for embedding. Additional calculators may be offered in the future based on demand.
Contact
Questions about our calculations? Found outdated regional data? Have suggestions for new calculators?
Email: contact@localcalc.com
Every message personally reviewed. Response within 1-2 business days.
LocalCalc is a self-funded, independent platform dedicated to building the most accurate and transparent financial planning tools for the United States. Our only goal is to provide you with clear, data-driven answers. We are not affiliated with, nor do we receive payment from, any bank, lender, or government agency to alter our calculation results. Our revenue, which supports our ongoing research and development, comes from on-site advertising and clearly marked affiliate partnerships.