About Cognivay

Cognivay explains confusing ideas — inflation, APR, compound interest, blockchain, the Feynman Technique — in plain language at four depths, from a one-paragraph basic version to an expert-level breakdown. Everything is free, with no account required.

How explanations are written

Every explanation is hand-written and checked against reputable public sources such as central banks, government statistics agencies, regulators and established references. Each page lists its sources so you can verify the details yourself.

How the calculators work

Our calculators run entirely in your browser using standard financial formulas, which are shown on each page. Your numbers are never sent or stored.

Educational, not financial advice

Cognivay is for education only. It isn't personal financial, legal or tax advice — for decisions about your own situation, speak to a qualified professional.

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