Our Story
CosmicRay was founded with a simple yet powerful vision: to democratize access to professional-grade financial calculation tools for every American. We recognized that making informed financial decisions shouldn't require expensive software or complex spreadsheets.
As a team of financial technology specialists, we've witnessed firsthand how confusing and overwhelming the loan process can be. From first-time homebuyers struggling with mortgage calculations to small business owners evaluating financing options, we saw a clear need for tools that are both powerful and accessible.
That's why we created LoanCalculator.US – to bridge the gap between complex financial mathematics and everyday decision-making, empowering Americans to take control of their financial futures.
Our Mission
To provide every American with free, accurate, and comprehensive loan calculation tools that enable informed financial decision-making.
Our Vision
To become the most trusted financial calculator platform in America, known for accuracy, transparency, and user-friendly design.
Our Values
Transparency, accuracy, privacy, accessibility, and continuous innovation guide everything we do at CosmicRay.
What Sets Us Apart
Accuracy You Can Trust
Our algorithms are built on industry-standard financial formulas and are regularly audited for precision. We incorporate real-time market data and state-specific regulations.
Privacy First
No registration required, no data collection, no tracking. Your financial information stays on your device. We're committed to protecting your privacy.
US-Focused Expertise
Built specifically for the American market with state-specific tax rates, insurance costs, and lending regulations. We understand the US financial landscape.
Mobile-First Design
Whether you're at home, at the dealership, or meeting with a lender, our tools work perfectly on any device, anywhere.
Meet Our Expert Team
Dr. Sarah Chen
Chief Financial Engineer
- • PhD Financial Mathematics, MIT
- • 15+ years Wall Street experience
- • Former JPMorgan quantitative analyst
- • Certified Financial Risk Manager (FRM)
- • Published researcher in financial modeling
"Dedicated to making complex financial calculations accessible to everyday Americans."
Michael Rodriguez
Lead Software Architect
- • MS Computer Science, Stanford
- • 12+ years fintech development
- • Former Google senior engineer
- • Security and privacy specialist
- • Expert in scalable web applications
"Building secure, user-friendly tools that protect your privacy while delivering accurate results."
Jennifer Thompson
Senior Financial Content Specialist
- • MBA Finance, Wharton
- • Certified Financial Planner (CFP®)
- • 10+ years consumer lending
- • Former Bank of America mortgage specialist
- • Financial education advocate
"Passionate about empowering consumers with knowledge to make informed financial decisions."
Financial Engineering
Advanced mathematical modeling, risk assessment, and algorithmic precision in loan calculations
- Amortization algorithms
- Interest rate modeling
- Risk assessment tools
- Regulatory compliance
Software Development
Full-stack development with focus on performance, security, and user experience
- Mobile-first design
- Security best practices
- Performance optimization
- Accessibility standards
Data Science
Market analysis, rate tracking, and statistical modeling for accurate financial insights
- Real-time rate monitoring
- Statistical analysis
- Market trend identification
- Predictive modeling
Compliance & Legal
Ensuring adherence to federal and state financial regulations across all 50 states
- TILA compliance
- State usury laws
- Fair lending practices
- Consumer protection
Professional Certifications & Affiliations
CFP®
Certified Financial PlannerFRM
Financial Risk ManagerNMLS
Licensed Loan OfficersCFA
Chartered Financial AnalystFDIC
Regulatory ComplianceCISSP
Security ProfessionalGet in Touch
Contact Information
We'd Love to Hear From You
Whether you have feedback, suggestions, or questions about our calculators, we're here to help. As a team dedicated to continuous improvement, your input helps us create better tools for everyone.
Response Time: We typically respond to emails within 24-48 hours during business days.
Our Commitment to You
Always Free
Our core tools will always remain free for all Americans
Continuous Updates
Regular updates to ensure accuracy and add new features
Data Protection
Your privacy and data security are our top priorities
User Support
Responsive support and continuous improvement based on feedback