Klyrify

Methodology

Last updated: 2026

This page explains how Klyrify's calculators are built, what conventions they use, and how to report a correction. It is a companion to our Disclaimer, which covers the limitations of any calculator-based estimate.

How our calculators are built

Each calculator on Klyrify has its own formula, defined specifically for that tool. Inputs, units, default values, and the assumptions behind them are explained directly on each calculator page — in the "Methodology & Assumptions" note near the tool and in the surrounding text — rather than in one generic statement here. Where practical, our calculations are checked against deterministic test cases to help catch regressions when a calculator is updated.

Compounding and timing conventions can differ by calculator

Klyrify does not use one universal compounding convention across every tool. Different calculators intentionally use different, clearly-suited conventions — for example:

Always read the assumptions shown on the specific calculator you are using rather than assuming every tool on the site works the same way.

Estimates, not predictions

Every output is a projection based on the assumptions you entered — not a prediction of what will actually happen. Small changes in inputs like return rate, time horizon, or expenses can meaningfully change a result over long periods. No result on this site is a guarantee.

Rounding

Numbers shown in calculator results, tables, and examples are rounded for readability. Internal calculations generally use full numeric precision before that final rounding step. If you reproduce a calculation by hand using the rounded figures shown on the page, small differences from the exact result are expected.

Sources and changing rules

Where a calculator or article references a general finance concept — such as a historical withdrawal-rate study or a long-run average return — we try to cite the underlying research or dataset. Tax rules, contribution limits, platform fees, and similar figures change over time and can vary by country; where a future calculator depends on a rate or rule of this kind, we aim to show its effective date, source, or a way to enter your own custom rate rather than hard-coding a single figure indefinitely.

Corrections

If you find a formula that looks wrong, a stale figure, or a factual error, please report it to [email protected]. To help us investigate quickly, include:

  • the page URL;
  • the inputs or assumptions you used;
  • the result you expected and why;
  • a source or reasoning for the correction, if you have one.

Please do not include sensitive personal financial data (full account numbers, government ID numbers, or similar) in a correction report.

Editorial independence

Klyrify's calculators and content are built to be useful first. The site does not currently carry affiliate links or sponsored placements; if that changes in the future, any affiliate or sponsored relationship will be clearly disclosed on the relevant page.

Source: https://klyrify.com/methodology