Mrs. Isis Perez

Isis Perez immigrated from Cuba and spent years figuring out American personal finance the hard way — piecing together how mortgages, retirement accounts, and debt payoff actually work from scratch, with no family playbook to fall back on, and plenty of mistakes and missed opportunities along the way. That experience is why she built CalcFactor: a free calculator site with no login and no data collection, covering the real questions people get stuck on — how much house they can actually afford, what early retirement really costs by state, whether a 0% balance transfer is worth it, how Social Security timing changes the math. She built it solo, and the whole site runs on one rule: free calculators, always.