---
title: "About Owned Outright and its author"
description: "Who builds Owned Outright, why, and how the calculators are checked."
url: https://ownedoutright.com/about/
---

About

# Built by a borrower who wanted straight answers

I'm Ashutosh Anand, a software engineer. I started Owned Outright after spending months modeling my own home loan prepayments in spreadsheets, because the calculators I found either assumed a brand-new loan, handled only one lump sum, or showed rosier numbers than my statements did.

## What this site does differently

- **Starts from your loan today.** Enter today's balance, not the amount you borrowed years ago.
- **Handles real habits.** Monthly extras, a yearly bonus and one-off lump sums, together.
- **Rounds like a lender.** Interest is rounded to the cent every month, so results track a real statement rather than an idealized formula.
- **Shows the working.** Every calculator links to [the method and formulas](https://ownedoutright.com/methodology/) it uses.
- **Keeps your numbers private.** All calculations run in your browser. Nothing you type is sent anywhere unless you choose to share it, for example with an AI assistant.

## How the numbers are checked

The calculators share one calculation engine with an automated test suite. It checks the engine against published payment figures (for example, $200,000 at 6.5% over 30 years is $1,264.14 a month) and against rules that must always hold, such as principal repaid adding up to the loan to the cent. When a calculator changes, the change is logged on the [methodology page](https://ownedoutright.com/methodology/).

## What this site is not

I'm not a licensed financial adviser, mortgage broker or tax professional, and nothing here is personal advice. The calculators show what the math says; your lender's figures are final, and decisions about your money should consider your whole situation.

## Contact

Spotted a number that looks wrong, or want a calculator that doesn't exist yet? Email [hello@ownedoutright.com](mailto:hello@ownedoutright.com).

Source: https://ownedoutright.com/about/