# About SavingsLast

> Who builds SavingsLast, how the calculators work, what they do not claim to be, and how the site is paid for.

Source: https://savingslast.com/about/
Markdown: https://savingslast.com/about.md
Site: SavingsLast, free retirement drawdown calculators. Educational estimates, not advice.

I built SavingsLast to answer one question properly: **how long will my money last?**

I am **Muhammad Ejaz**, a finance content creator based in Texas, and I studied at the University of San Francisco. You can find me on [LinkedIn](https://www.linkedin.com/in/muhammad-ejaz-a010a4431/). I write and maintain everything on this site, and the calculators are mine.

Every time I went looking for that number I found the same three things. Calculators that hide their assumptions, so you cannot tell whether the answer is optimistic. Calculators that want your email before they will tell you anything. And calculators attached to a company that would quite like to sell you an annuity.

So this one does the opposite. It runs entirely in your browser — your balance never leaves your device and is never sent to us. It shows its working: the exact monthly loop, the tax gross-up and the solver are written out on the [methodology page](https://savingslast.com/methodology/). And it gives you the number on the first screen, with no email box in the way.

## What this is not

I am not a financial adviser, and I am not going to pretend otherwise. Nothing on this site is advice about your situation, because I do not know your situation. What I can offer is arithmetic that is correct, assumptions that are stated plainly, and a tool that lets you change any of them and watch what happens.

I passed FINRA's Securities Industry Essentials exam on 23 October 2019, while I was at Chase. It expired in 2023 — SIE credit runs for four years — and I have never been a registered representative. I mention it so you know where my grounding comes from, not as a qualification to advise you.

That is deliberately a narrower promise than most retirement sites make. It is also one I can actually keep.

## How the numbers are checked

The static tables in the articles and the live calculator run on the same engine, so they cannot disagree with each other. Every deploy runs an automated check against the published site that re-computes known results — a $500,000 balance at $3,000 a month, the Social Security claiming factors, the 62-versus-70 break-even age — and refuses to ship if any of them moved.

Where a guide cites outside research, such as Morningstar's annual safe-withdrawal work, the figure is verified against the source rather than recalled, and the date it was checked is recorded.

## How the site is paid for

Advertising, and affiliate referrals where they are marked as such. Those never influence a calculation or a recommendation — the arithmetic does not know they exist, and you can read it yourself to confirm that. If a page ever suggests a service, it is labelled.

## Corrections

If you think a number here is wrong, please tell me: **hello@savingslast.com**. Retirement arithmetic is not a matter of opinion, so if you are right I will fix it and say so. Several of the sharper edges in these calculators were found exactly that way.