GoSpend exists to make the math behind money decisions easy to see and easy to trust. Mortgage payments, compound interest, debt payoff, retirement contributions — the numbers behind these decisions are knowable, and we build tools and write explanations that show the work instead of just handing you a conclusion.
Who’s behind this
GoSpend is written and maintained by Nicholas Bulgin, an entrepreneur and investor with hands-on experience across stocks, cryptocurrency, real estate, and emerging asset classes. That direct experience — managing his own money across very different kinds of assets — shapes how GoSpend approaches personal finance: practically, numerically, and without pretending there’s a single right answer for everyone.
What GoSpend is, and isn’t
GoSpend is an education resource. Every calculator and article here is built to help you understand how a financial mechanism works — how a mortgage amortizes, how compounding behaves over time, how debt snowball and avalanche methods compare — so you can apply that understanding to your own situation. GoSpend does not provide personalized financial, investment, tax, or legal advice, and nothing on this site should be treated as a recommendation to take a specific action with your money. For decisions specific to your circumstances, talk to a licensed professional.
How we work
Our full approach to sourcing, accuracy, and how content is produced — including our use of AI tools — is laid out in our Editorial Standards. If you ever spot something wrong, see our Corrections Policy for how to report it and how we fix it.
Get in touch
Questions, corrections, or feedback? Visit our Contact page.
