Why is this free?

Because the question it answers shouldn't cost anything. Millions of families are hearing about 530A accounts for the first time and deserve a fast, honest answer to “what could this actually be worth for my kid?” — without handing over an email address, sitting through a sales pitch, or trusting a black box.

No monetization. Really.

• No ads, no affiliate links, no sponsored funds.
• No accounts or email capture — there is nothing to sign up for.
• No data collection — calculations run entirely in your browser.
• Open source — the math is public and independently tested.

How it stays free

The site is built so that serving one visitor or a million costs nearly the same: static pages on a CDN, with all calculation done on your device. Hosting costs are a few dollars a month, paid personally as a public-good project.

If it helped you, share it with another parent. That's the whole business model.