Josh Robins

About Josh

Josh Robins founded CrunchWise in 2026 to publish free, accurate financial calculators and practical money guides. He holds final editorial responsibility for every calculator and article published on the site — checking the formulas, sources, and reviewed dates before anything ships.

Josh's professional background is in digital advertising and publishing operations, with direct experience on the supply and demand sides of programmatic advertising. That background informs how CrunchWise treats ads and affiliate links: never above the fold on calculator tools, never interstitials, never cloaked redirects, always disclosed per FTC guidelines.

Areas of Focus

• • Mortgage math and the true cost of homeownership (PITI, PMI, amortization).
• • High-yield savings, CDs, and money-market mechanics.
• • Compound interest and long-horizon investment projections.
• • Paycheck calculations — federal + state tax, FICA, pre-tax deductions.
• • FIRE (Financial Independence, Retire Early) and withdrawal-rate strategies.

Editorial Process

Every financial calculator on CrunchWise is built from a published, authoritative formula — no “approximations” unless they are explicitly labeled. Examples:

• • Mortgage payment: M = P[r(1+r)^n] / [(1+r)^n − 1] — standard amortization.
• • BMR / TDEE: Mifflin-St Jeor equation (1990).
• • Federal tax: 2025 IRS bracket schedule, verified against the IRS Revenue Procedure.
• • Compound interest with contributions: P(1+r/n)^(nt) + PMT × [((1+r/n)^(nt) − 1) / (r/n)].

Guides that reference time-sensitive numbers (APYs, tax brackets, Fed rates, mortgage averages) are marked with an “Updated [date]” tag and reviewed monthly.

Contact

Corrections, questions, or partnership inquiries: contact page.