Transparent calculations

Calculator accuracy ledger

Reproducible expected outputs for the 50 calculators added on 17 October 2026.

137 independently specified numeric expectations across 50 simplified scenarios passed in this release. Additional tests cover default scenarios, invalid inputs, scale invariance, page structure and browser behavior. These checks reduce errors; they do not replace professional review.

The 20 original tools were retained. They are outside this new formula ledger; do not interpret this page as a fresh certification of every original formula.

Calculation and testing methodology · Release test report

Mortgage Extra Principal Payment Calculator

Inputs: p = 1200; r = 0; n = 12; x = 100

Field keys: p = Mortgage balance; r = Annual interest rate; n = Remaining months; x = Extra monthly principal

  • Months to repay = 6
  • Months saved = 6
  • Interest saved = $0.00

Numeric tolerance: maximum of 0.000001 absolute or 0.000001% relative. Tests execute the same engine used by the browser. Independent professional review: pending.

Mortgage Recast After Lump Sum Calculator

Inputs: p = 12000; l = 2000; r = 0; n = 10; f = 100

Field keys: p = Current mortgage balance; l = Lump sum toward principal; r = Annual interest rate; n = Remaining months; f = Recast fee paid in cash

  • New monthly payment = $1,000.00
  • Monthly payment reduction = $200.00
  • Cash needed for recast = $2,100.00

Numeric tolerance: maximum of 0.000001 absolute or 0.000001% relative. Tests execute the same engine used by the browser. Independent professional review: pending.

Mortgage Discount Points Break Even Calculator

Inputs: p = 12000; a = 12; b = 0; n = 12; q = 1

Field keys: p = Loan amount; a = Rate without points; b = Rate with points; n = Loan term in months; q = Discount points

  • Upfront points cost = $120.00
  • Monthly payment saving = $66.19

Numeric tolerance: maximum of 0.000001 absolute or 0.000001% relative. Tests execute the same engine used by the browser. Independent professional review: pending.

Home Equity and Combined LTV Calculator

Inputs: v = 200000; m = 100000; h = 10000; c = 80

Field keys: v = Estimated home value; m = First mortgage balance; h = Other secured liens; c = Maximum combined LTV

  • Available equity borrowing = $50,000.00
  • Current combined LTV (%) = 55%

Numeric tolerance: maximum of 0.000001 absolute or 0.000001% relative. Tests execute the same engine used by the browser. Independent professional review: pending.

HELOC Draw and Repayment Payment Calculator

Inputs: p = 12000; r = 0; n = 12

Field keys: p = Drawn HELOC balance; r = Assumed annual rate; n = Repayment period in months

  • Interest-only monthly payment = $0.00
  • Repayment monthly payment = $1,000.00

Numeric tolerance: maximum of 0.000001 absolute or 0.000001% relative. Tests execute the same engine used by the browser. Independent professional review: pending.

Interest Only Loan Balloon Calculator

Inputs: p = 10000; r = 12; n = 12

Field keys: p = Loan principal; r = Annual interest rate; n = Interest-only period months

  • Monthly interest-only payment = $100.00
  • Interest paid during period = $1,200.00
  • Balloon principal due = $10,000.00

Numeric tolerance: maximum of 0.000001 absolute or 0.000001% relative. Tests execute the same engine used by the browser. Independent professional review: pending.

Home Purchase Cash to Close Calculator

Inputs: p = 200000; d = 10; c = 4000; e = 1000; s = 1000; a = 2000

Field keys: p = Purchase price; d = Down payment; c = Closing costs excluding prepaids; e = Prepaids and escrow; s = Seller and lender credits; a = Earnest money already paid

  • Estimated cash remaining to close = $22,000.00
  • Base loan amount = $180,000.00

Numeric tolerance: maximum of 0.000001 absolute or 0.000001% relative. Tests execute the same engine used by the browser. Independent professional review: pending.

Housing and Total Debt to Income Calculator

Inputs: i = 10000; h = 2000; d = 1000

Field keys: i = Gross monthly income; h = All-in monthly housing payment; d = Other monthly debt payments

  • Housing DTI (%) = 20%
  • Total debt-to-income (%) = 30%

Numeric tolerance: maximum of 0.000001 absolute or 0.000001% relative. Tests execute the same engine used by the browser. Independent professional review: pending.

Rental Property Cap Rate and Cash Flow Calculator

Inputs: v = 200000; r = 2000; x = 0; o = 4000; d = 10000; c = 50000

Field keys: v = Purchase price; r = Monthly scheduled rent; x = Vacancy allowance; o = Annual operating expenses; d = Annual mortgage debt service; c = Cash invested including closing

  • Annual net operating income = $20,000.00
  • Cap rate (%) = 10%
  • Cash-on-cash return (%) = 20%

Numeric tolerance: maximum of 0.000001 absolute or 0.000001% relative. Tests execute the same engine used by the browser. Independent professional review: pending.

Rent Affordability by Income Ratio Calculator

Inputs: i = 60000; q = 30; u = 200

Field keys: i = Gross annual income; q = Housing budget share; u = Monthly utilities and insurance

  • Suggested rent ceiling = $1,300.00
  • Total monthly housing allowance = $1,500.00

Numeric tolerance: maximum of 0.000001 absolute or 0.000001% relative. Tests execute the same engine used by the browser. Independent professional review: pending.

Three Debt Consolidation Savings Calculator

Inputs: p = 1000; a = 0; q = 2000; b = 0; t = 3000; c = 0; r = 0; n = 12; f = 120

Field keys: p = Debt A balance; a = Debt A annual rate; q = Debt B balance; b = Debt B annual rate; t = Debt C balance; c = Debt C annual rate; r = Consolidation annual rate; n = Shared repayment months; f = Financed origination fee

  • Consolidated monthly payment = $510.00
  • Current modeled monthly payment = $500.00
  • Net total repayment saving = $-120.00
  • Blended current nominal rate (%) = 0%

Numeric tolerance: maximum of 0.000001 absolute or 0.000001% relative. Tests execute the same engine used by the browser. Independent professional review: pending.

Zero APR Balance Transfer Payoff Calculator

Inputs: p = 1000; f = 3; n = 10; m = 90

Field keys: p = Transferred balance; f = Transfer fee; n = Zero APR promotion months; m = Planned monthly payment

  • Transfer fee amount = $30.00
  • Payment to clear promotion = $103.00
  • Balance at promotion end = $130.00

Numeric tolerance: maximum of 0.000001 absolute or 0.000001% relative. Tests execute the same engine used by the browser. Independent professional review: pending.

Credit Card Declining Minimum Payment Calculator

Inputs: p = 100; r = 0; q = 50; f = 25

Field keys: p = Starting card balance; r = Annual interest rate; q = Minimum share of balance after interest; f = Minimum payment floor

  • Months paying declining minimum = 3
  • Interest paying declining minimum = $0.00
  • Initial minimum payment = $50.00

Numeric tolerance: maximum of 0.000001 absolute or 0.000001% relative. Tests execute the same engine used by the browser. Independent professional review: pending.

Student Loan Employer Assistance Payoff Calculator

Inputs: p = 1200; r = 0; n = 12; x = 0; a = 100; k = 3

Field keys: p = Student loan balance; r = Annual interest rate; n = Scheduled remaining months; x = Borrower extra monthly payment; a = Monthly employer contribution; k = Months employer assistance lasts

  • Payoff months with assistance = 9
  • Employer contributions used = $300.00
  • Interest saved versus schedule = $0.00

Numeric tolerance: maximum of 0.000001 absolute or 0.000001% relative. Tests execute the same engine used by the browser. Independent professional review: pending.

Student Loan Grace Period Capitalization Calculator

Inputs: p = 10000; r = 12; g = 6; n = 12

Field keys: p = Loan principal before grace; r = Annual interest rate; g = Interest-accruing grace months; n = Repayment months after grace

  • Grace-period interest = $600.00
  • Payment if interest is capitalized = $941.80

Numeric tolerance: maximum of 0.000001 absolute or 0.000001% relative. Tests execute the same engine used by the browser. Independent professional review: pending.

Credit Utilization Paydown Target Calculator

Inputs: b = 4000; l = 10000; t = 20

Field keys: b = Total revolving balances; l = Total revolving credit limits; t = Target utilization

  • Current utilization (%) = 40%
  • Paydown to reach target = $2,000.00

Numeric tolerance: maximum of 0.000001 absolute or 0.000001% relative. Tests execute the same engine used by the browser. Independent professional review: pending.

Buy Now Pay Later Fee Cost Calculator

Inputs: p = 400; d = 100; n = 3; f = 5; o = 10

Field keys: p = Cash purchase price; d = Upfront payment; n = Remaining installments; f = Fee per installment; o = One-off fee

  • Each remaining installment = $105.00
  • Total fees = $25.00
  • Total purchase cost = $425.00

Numeric tolerance: maximum of 0.000001 absolute or 0.000001% relative. Tests execute the same engine used by the browser. Independent professional review: pending.

CD Early Withdrawal Penalty Calculator

Inputs: p = 1000; r = 12; m = 12; k = 1; d = 90; b = 360

Field keys: p = Original deposit; r = Nominal annual rate; m = Months held before withdrawal; k = Compounds per year; d = Penalty days of interest; b = Penalty day-count year basis

  • Net withdrawal proceeds = $1,090.00
  • Estimated withdrawal penalty = $30.00
  • Gross interest accrued = $120.00
  • Net interest after penalty = $90.00

Numeric tolerance: maximum of 0.000001 absolute or 0.000001% relative. Tests execute the same engine used by the browser. Independent professional review: pending.

APR to APY Compounding Calculator

Inputs: r = 12; k = 1; p = 1000

Field keys: r = Nominal annual rate; k = Compounds per year; p = Illustrative balance

  • Effective annual yield (%) = 12%
  • One-year interest on balance = $120.00

Numeric tolerance: maximum of 0.000001 absolute or 0.000001% relative. Tests execute the same engine used by the browser. Independent professional review: pending.

Simple Interest by Day Count Calculator

Inputs: p = 1000; r = 12; d = 90; b = 360

Field keys: p = Principal; r = Annual simple interest rate; d = Number of days; b = Day-count year basis

  • Simple interest = $30.00
  • Principal plus interest = $1,030.00

Numeric tolerance: maximum of 0.000001 absolute or 0.000001% relative. Tests execute the same engine used by the browser. Independent professional review: pending.

Multiple Sinking Funds Monthly Budget Calculator

Inputs: a = 1200; b = 0; n = 12; c = 600; d = 0; t = 6; e = 300; f = 0; u = 3

Field keys: a = Expense A target; b = Expense A already saved; n = Expense A months remaining; c = Expense B target; d = Expense B already saved; t = Expense B months remaining; e = Expense C target; f = Expense C already saved; u = Expense C months remaining

  • Combined monthly saving needed = $300.00
  • Monthly saving for expense A = $100.00
  • Total remaining funding gap = $2,100.00

Numeric tolerance: maximum of 0.000001 absolute or 0.000001% relative. Tests execute the same engine used by the browser. Independent professional review: pending.

Household Savings Rate Calculator

Inputs: i = 4000; e = 3000; t = 30

Field keys: i = Monthly take-home income; e = Monthly spending excluding savings; t = Target savings rate

  • Monthly savings = $1,000.00
  • Savings rate (%) = 25%
  • Extra saving needed for target = $200.00

Numeric tolerance: maximum of 0.000001 absolute or 0.000001% relative. Tests execute the same engine used by the browser. Independent professional review: pending.

Exact Investment Doubling Time Calculator

Inputs: r = 100

Field keys: r = Annual compound return

  • Exact doubling years = 1
  • Rule of 72 years = 0.72

Numeric tolerance: maximum of 0.000001 absolute or 0.000001% relative. Tests execute the same engine used by the browser. Independent professional review: pending.

Savings Account APY Comparison Calculator

Inputs: p = 1000; a = 0; b = 10; y = 2; f = 5

Field keys: p = Opening balance; a = Account A APY; b = Account B APY; y = Holding years; f = Account B annual fee

  • Account A ending balance = $1,000.00
  • Account B ending balance after fees = $1,200.00
  • Advantage of account B = $200.00

Numeric tolerance: maximum of 0.000001 absolute or 0.000001% relative. Tests execute the same engine used by the browser. Independent professional review: pending.

Emergency Fund Cash Runway Calculator

Inputs: p = 12000; e = 3000; i = 1000

Field keys: p = Liquid emergency savings; e = Essential monthly expenses; i = Continuing monthly income

  • Months of cash runway = 6
  • Monthly cash gap = $2,000.00
  • Savings after three months = $6,000.00

Numeric tolerance: maximum of 0.000001 absolute or 0.000001% relative. Tests execute the same engine used by the browser. Independent professional review: pending.

Investment Expense Ratio Drag Calculator

Inputs: p = 1000; r = 10; a = 0; b = 10; y = 1

Field keys: p = Initial portfolio; r = Gross annual return; a = Fund A annual fee; b = Fund B annual fee; y = Investment years

  • Fund A ending value = $1,100.00
  • Fund B ending value = $990.00
  • Extra ending wealth with fund A = $110.00

Numeric tolerance: maximum of 0.000001 absolute or 0.000001% relative. Tests execute the same engine used by the browser. Independent professional review: pending.

Inflation Adjusted Investment Return Calculator

Inputs: p = 1000; r = 10; i = 10; y = 2

Field keys: p = Initial investment; r = Nominal annual return; i = Annual inflation assumption; y = Holding years

  • Real annual return (%) = 0%
  • Ending purchasing power in today’s money = $1,000.00
  • Nominal ending balance = $1,210.00

Numeric tolerance: maximum of 0.000001 absolute or 0.000001% relative. Tests execute the same engine used by the browser. Independent professional review: pending.

Stock Average Cost After Buying More Calculator

Inputs: a = 10; b = 100; c = 10; d = 50; f = 0

Field keys: a = Existing shares; b = Existing cost per share; c = Additional shares; d = New purchase price per share; f = New transaction fee

  • Average cost per share = $75.00
  • Total shares = 20
  • Total modeled cost basis = $1,500.00

Numeric tolerance: maximum of 0.000001 absolute or 0.000001% relative. Tests execute the same engine used by the browser. Independent professional review: pending.

Dividend Reinvestment Growth Calculator

Inputs: p = 1000; d = 10; g = 0; y = 2

Field keys: p = Initial portfolio; d = Annual dividend yield; g = Annual price growth; y = Whole investment years

  • Ending reinvested portfolio = $1,210.00
  • Cumulative dividends reinvested = $210.00
  • Total modeled gain = $210.00

Numeric tolerance: maximum of 0.000001 absolute or 0.000001% relative. Tests execute the same engine used by the browser. Independent professional review: pending.

Two Asset Portfolio Rebalancing Calculator

Inputs: a = 700; b = 300; c = 0; t = 60

Field keys: a = Current asset A value; b = Current asset B value; c = New cash to invest; t = Target asset A weight

  • Trade asset A (positive buy, negative sell) = $-100.00
  • Trade asset B (positive buy, negative sell) = $100.00

Numeric tolerance: maximum of 0.000001 absolute or 0.000001% relative. Tests execute the same engine used by the browser. Independent professional review: pending.

Financial Independence Spending Target Calculator

Inputs: e = 50000; i = 10000; w = 4; p = 200000

Field keys: e = Annual spending in today’s money; i = Annual recurring nonportfolio income; w = Assumed initial withdrawal rate; p = Current invested assets

  • Portfolio target = $1,000,000.00
  • Remaining portfolio gap = $800,000.00
  • Progress toward target (%) = 20%

Numeric tolerance: maximum of 0.000001 absolute or 0.000001% relative. Tests execute the same engine used by the browser. Independent professional review: pending.

Coast Financial Independence Calculator

Inputs: t = 121000; r = 10; y = 2; p = 50000

Field keys: t = Target portfolio in today’s money; r = Assumed real annual return; y = Years until target; p = Current invested assets

  • Required invested amount today = $100,000.00
  • Additional amount needed today = $50,000.00
  • Projected real portfolio with no new deposits = $60,500.00

Numeric tolerance: maximum of 0.000001 absolute or 0.000001% relative. Tests execute the same engine used by the browser. Independent professional review: pending.

Fixed Period Retirement Annuity Payout Calculator

Inputs: p = 120000; r = 0; n = 120

Field keys: p = Starting retirement fund; r = Effective annual return; n = Number of monthly withdrawals

  • Fixed monthly withdrawal = $1,000.00
  • Total withdrawn over period = $120,000.00

Numeric tolerance: maximum of 0.000001 absolute or 0.000001% relative. Tests execute the same engine used by the browser. Independent professional review: pending.

Salary Raise and Purchasing Power Calculator

Inputs: s = 60000; r = 10; i = 10

Field keys: s = Current annual gross salary; r = Proposed salary raise; i = Assumed annual inflation

  • New annual gross salary = $66,000.00
  • Gross monthly increase = $500.00
  • Real pay increase (%) = 0%

Numeric tolerance: maximum of 0.000001 absolute or 0.000001% relative. Tests execute the same engine used by the browser. Independent professional review: pending.

Overtime Weekly Gross Pay Calculator

Inputs: r = 20; h = 45; t = 40; m = 1.5

Field keys: r = Regular hourly rate; h = Hours worked this week; t = Regular-hours threshold; m = Overtime multiplier

  • Weekly gross pay = $950.00
  • Overtime gross pay = $150.00
  • Overtime hours = 5

Numeric tolerance: maximum of 0.000001 absolute or 0.000001% relative. Tests execute the same engine used by the browser. Independent professional review: pending.

50 30 20 Take Home Budget Calculator

Inputs: i = 4000; n = 50; w = 30

Field keys: i = Monthly take-home income; n = Needs allocation; w = Wants allocation

  • Monthly needs budget = $2,000.00
  • Monthly wants budget = $1,200.00
  • Savings and extra debt budget = $800.00

Numeric tolerance: maximum of 0.000001 absolute or 0.000001% relative. Tests execute the same engine used by the browser. Independent professional review: pending.

Household Net Worth Balance Sheet Calculator

Inputs: c = 10000; i = 20000; p = 100000; m = 70000; d = 5000

Field keys: c = Cash and deposits; i = Investments and retirement accounts; p = Property and other asset values; m = Mortgages and secured debt; d = Other debts

  • Household net worth = $55,000.00
  • Total assets = $130,000.00
  • Total liabilities = $75,000.00

Numeric tolerance: maximum of 0.000001 absolute or 0.000001% relative. Tests execute the same engine used by the browser. Independent professional review: pending.

Subscription Annual Cost Audit Calculator

Inputs: m = 50; w = 5; a = 140; c = 20

Field keys: m = Combined monthly subscriptions; w = Combined weekly subscriptions; a = Combined annual subscriptions; c = Share of spend to cancel

  • Total annual subscription cost = $1,000.00
  • Annual saving from cancellations = $200.00

Numeric tolerance: maximum of 0.000001 absolute or 0.000001% relative. Tests execute the same engine used by the browser. Independent professional review: pending.

Tip Before Tax and Bill Split Calculator

Inputs: b = 100; t = 10; p = 20; n = 5

Field keys: b = Pre-tax bill subtotal; t = Sales tax amount; p = Tip percentage on subtotal; n = Number of people

  • Tip amount = $20.00
  • Total including tax and tip = $130.00
  • Amount per person = $26.00

Numeric tolerance: maximum of 0.000001 absolute or 0.000001% relative. Tests execute the same engine used by the browser. Independent professional review: pending.

Commute Cost Including Time Calculator

Inputs: d = 20; k = 0.5; p = 5; h = 1; n = 200; v = 10

Field keys: d = Round-trip distance per workday; k = Vehicle operating cost per distance unit; p = Parking and tolls per day; h = Round-trip commute hours per day; n = Commute days per year; v = Personal hourly value of time

  • Annual cash commute cost = $3,000.00
  • Annual hours commuting = 200
  • Cash plus time-value cost = $5,000.00

Numeric tolerance: maximum of 0.000001 absolute or 0.000001% relative. Tests execute the same engine used by the browser. Independent professional review: pending.

Freelance Billable Hourly Rate Calculator

Inputs: s = 40000; o = 10000; w = 50; h = 40; u = 50; m = 0

Field keys: s = Annual owner pay before personal tax; o = Annual business overhead; w = Working weeks per year; h = Working hours per week; u = Billable utilization; m = Revenue reserve margin

  • Required billable hourly rate = $50.00
  • Annual billable hours = 1,000
  • Required annual revenue = $50,000.00

Numeric tolerance: maximum of 0.000001 absolute or 0.000001% relative. Tests execute the same engine used by the browser. Independent professional review: pending.

Employee Fully Loaded Cost Calculator

Inputs: s = 50000; r = 10; b = 5000; o = 0; h = 2000

Field keys: s = Annual gross salary; r = Employer payroll burden assumption; b = Annual employer-paid benefits; o = Allocated annual overhead; h = Productive hours per year

  • Annual fully loaded cost = $60,000.00
  • Cost per productive hour = $30.00

Numeric tolerance: maximum of 0.000001 absolute or 0.000001% relative. Tests execute the same engine used by the browser. Independent professional review: pending.

SaaS Customer LTV to CAC Calculator

Inputs: a = 100; g = 50; c = 10; k = 100

Field keys: a = Monthly revenue per customer; g = Gross margin; c = Monthly customer churn; k = Customer acquisition cost

  • Gross-profit customer LTV = $500.00
  • LTV to CAC ratio = 5
  • Acquisition payback months = 2

Numeric tolerance: maximum of 0.000001 absolute or 0.000001% relative. Tests execute the same engine used by the browser. Independent professional review: pending.

SaaS MRR Growth and Churn Calculator

Inputs: m = 1000; n = 100; e = 0; c = 0; t = 2

Field keys: m = Starting monthly recurring revenue; n = New MRR added each month; e = Expansion MRR each month; c = Monthly revenue churn; t = Projection months

  • Ending MRR = $1,200.00
  • Ending annual recurring run rate = $14,400.00
  • Total modeled revenue across months = $2,300.00

Numeric tolerance: maximum of 0.000001 absolute or 0.000001% relative. Tests execute the same engine used by the browser. Independent professional review: pending.

Startup Cash Burn and Runway Calculator

Inputs: c = 60000; e = 15000; i = 5000; t = 12

Field keys: c = Available cash; e = Monthly cash expenses; i = Monthly cash receipts; t = Target runway months

  • Net monthly cash burn = $10,000.00
  • Cash runway months = 6
  • Additional cash for target runway = $60,000.00

Numeric tolerance: maximum of 0.000001 absolute or 0.000001% relative. Tests execute the same engine used by the browser. Independent professional review: pending.

Discount Required Sales Volume Calculator

Inputs: p = 100; v = 60; d = 20; q = 100

Field keys: p = Original price per unit; v = Variable cost per unit; d = Proposed discount; q = Current units sold

  • Discounted unit price = $80.00
  • Units needed to preserve contribution = 200
  • Required volume increase (%) = 100%

Numeric tolerance: maximum of 0.000001 absolute or 0.000001% relative. Tests execute the same engine used by the browser. Independent professional review: pending.

Sales Commission with Base Pay Calculator

Inputs: s = 20000; r = 5; b = 2000; x = 100

Field keys: s = Eligible sales during period; r = Flat commission rate; b = Base pay for same period; x = Fixed bonus for same period

  • Commission earned = $1,000.00
  • Total gross compensation = $3,100.00

Numeric tolerance: maximum of 0.000001 absolute or 0.000001% relative. Tests execute the same engine used by the browser. Independent professional review: pending.

Straight Line Asset Depreciation Calculator

Inputs: c = 12000; s = 2000; l = 5; y = 2

Field keys: c = Asset acquisition cost; s = Estimated salvage value; l = Useful life in years; y = Elapsed years

  • Annual straight-line depreciation = $2,000.00
  • Accumulated depreciation = $4,000.00
  • Remaining book value = $8,000.00

Numeric tolerance: maximum of 0.000001 absolute or 0.000001% relative. Tests execute the same engine used by the browser. Independent professional review: pending.

Working Capital and Current Ratio Calculator

Inputs: a = 100000; l = 50000; i = 20000; p = 5000

Field keys: a = Current assets; l = Current liabilities; i = Inventory included in assets; p = Prepaid expenses included in assets

  • Working capital = $50,000.00
  • Current ratio = 2
  • Quick ratio = 1.5

Numeric tolerance: maximum of 0.000001 absolute or 0.000001% relative. Tests execute the same engine used by the browser. Independent professional review: pending.

Cash Conversion Cycle Days Calculator

Inputs: i = 10000; a = 10000; p = 5000; c = 120000; s = 120000; d = 360

Field keys: i = Average inventory; a = Average accounts receivable; p = Average accounts payable; c = Annual cost of goods sold; s = Annual credit sales; d = Days in accounting year

  • Inventory days = 30
  • Receivable days = 30
  • Payable days = 15
  • Cash conversion cycle days = 45

Numeric tolerance: maximum of 0.000001 absolute or 0.000001% relative. Tests execute the same engine used by the browser. Independent professional review: pending.