About GrowThenDraw

GrowThenDraw is a set of free investment calculators with one stubborn principle: show people what they actually keep, after their own country's taxes — not just a glossy growth curve. Most calculators stop at the final number; the useful answer is the after-tax income it buys you.

Who is responsible

GrowThenDraw is built, published and maintained by the GrowThenDraw Editorial Team. We use an organization byline to protect the maintainers' personal privacy, not to imply credentials we do not hold. The team remains accountable for the calculations, sourcing, corrections and published explanations on this site.

GrowThenDraw is an independent educational project. It is not affiliated with or endorsed by any employer, government body, regulator, bank, broker, insurer or fund provider. It is not regulated as a financial adviser in any jurisdiction and does not sell financial products.

How the numbers stay honest

Every tax rate, threshold and allowance on this site is versioned with its tax year, the date we verified it, and a link to the official source — the IRS, HMRC, the Scottish Government, the ATO, the CRA, Revenu Québec, IRAS, Malaysia's HASiL, KWSP and PERKESO, New Zealand Inland Revenue or the FMA. Nothing is guessed; anything uncertain is flagged rather than invented. The full conventions are public on the methodology page, and the calculation engine is covered by automated tests against hand-verified values.

Research organization, drafting and software development may use AI-assisted tools. AI output is never treated as a financial authority. Rules are checked against the cited primary sources, calculation logic is tested, and the editorial team remains responsible for what is published. Read the full editorial policy.

What this site will never do

Give personalised financial advice, predict markets, impersonate experts, or bury the assumptions. Educational estimates, clearly labelled — that's the whole deal. Spotted an error? Tell us — corrections to figures are our highest-priority mail.