Hi, I'm Santosh. I founded FinanceSmartUSA with a single mission: to demystify personal finance for everyone.

With a background in financial technology and data analysis, I realized that most online calculators were either too simple to be useful or too complex to understand. I built this platform to provide accurate, transparent, and privacy-focused tools specifically for the US market.

My expertise lies in mortgage amortization modeling, US tax bracket optimization, and retirement planning algorithms.