Jere Salmisto

Founder of CalcFi — free personal-finance calculators with Wikipedia-style citations. Based in Helsinki, Finland.

What I do

I build CalcFi — a free personal-finance calculator platform where every formula traces to a primary public source: IRS publications, Federal Reserve series (FRED), Treasury yield tables, Bureau of Labor Statistics, Bureau of Economic Analysis, Freddie Mac PMMS, the World Bank, FDIC, and EIA. The site hosts more than 300 calculators across tax, mortgage, retirement, paycheck, debt, real-estate, investing, and small-business categories. No paid tier. No "Expert Reviewed" badges. Just the math, the source, and the work shown.

The data layer powering CalcFi is the CalcFi Open Data project — 34 financial and macroeconomic time series, 117,956 observations covering ~1947 through 2026, distributed under CC BY 4.0 with five permanent DOIs.

Background

• Helsinki, Finland 🇫🇮
• Bachelor's, Tampere University of Applied Sciences (TAMK)
• Former CEO at Topair Nordic Oy (industrial sales + operations, Finland, 2019-2022)
• 10+ years B2B commercial leadership across multiple Nordic companies prior
• Native Finnish, working English
• ORCID: 0009-0000-0916-8684

What I write about

• Personal finance math — mortgage amortization, paycheck withholding, tax brackets, compound interest, retirement compounding
• Macro indicators — yield curve, CPI vs PCE, Fed Funds cycle, mortgage-Treasury spread
• Open financial data + citation methodology
• Wikipedia-style transparency vs credential-gated expertise in YMYL content
• AI in personal finance tools — what budgeting apps can/can't automate
• Tax strategy — DAF vs private foundation math, SSA Trustees mechanics, OBBBA changes

Press placements (selection)

• NTD News — Social Security real-spending-power math
• TechBullion — Fintech business value
• Financial Independence Hub — ETF allocation strategy
• Freeduhm — Fintech SaaS compliance
• Marketer Magazine — Calculator-page conversion design
• CFO Drive — Finance team resilience playbooks
• Business Navigator — Salary thresholds and paycheck math

Research outputs

Five permanent DOIs for the CalcFi Open Data dataset (CC BY 4.0, 34 series, 117,956 obs):

• Figshare 10.6084/m9.figshare.32332290 (canonical)
• Zenodo 10.5281/zenodo.20302283 (CERN)
• OSF 10.17605/OSF.IO/PUMKT
• Kaggle 10.34740/kaggle/dsv/16356447
• Mendeley 10.17632/jsnwhy6vjn.1

Software I maintain

• Python calcfidata (PyPI · Anaconda · docs)
• JavaScript calcfidata (npm)
• Go pkg.go.dev/gitlab.com/jere.salmisto/calcfi-open-data/go
• Julia CalcFiData.jl
• dbt dbt-calcfi-open-data

Connect

• 🌐 calcfi.app — the calculators
• 📊 CalcFi Open Data — the dataset
• 🤗 @iizy on HuggingFace
• 💼 LinkedIn
• 🎓 ORCID 0009-0000-0916-8684
• 📚 Academia.edu
• 🐙 GitLab @jere.salmisto
• 🟦 Codeberg @jerehere

"We want to help people make real money decisions with real math, real numbers, and real analysis — free, forever."