About
Who makes Velafolio, and why
Velafolio is built and run by one person. This page says who, what the site is for, how the numbers are checked, and how to get in touch.
Who
The short version
I’m Oleg. I’ve been a software engineer for more than twenty years, most recently at a large technology company, and I live in Denver, Colorado. Velafolio is a personal project, built on my own time.
I am not a financial advisor, an accountant, or a lawyer, and Velafolio does not sell investments or insurance. Retirement planning has been a long-running interest, and at some point reading about it turned into building a tool for it. When I’m not at a keyboard I’m usually somewhere in the Colorado mountains.
Why
Why it exists
Most retirement calculators ask half a dozen questions and answer with one number. The decisions that actually shape a retirement don’t work that way. Claiming Social Security at 62 or 70, converting part of an IRA to a Roth this year, retiring two years earlier: each plays out over decades, and the pieces interact. A Roth conversion raises this year’s tax bill, can raise Medicare premiums two years later, and lowers required distributions for the rest of your life.
I wanted a planner that shows every year, keeps the arithmetic visible, and doesn’t ask for an account before it will answer a simple question. I didn’t find one I liked, so I built it.
What it is
What Velafolio is, and isn’t
- An educational tool. It works out what the rules say will happen under the assumptions you enter. It does not know your situation and does not give investment, tax, or legal advice. Check important decisions with a qualified professional.
- Built on official figures. Tax brackets, Social Security formulas, Medicare premiums, and the RMD tables come from the IRS, the Social Security Administration, and Medicare, and each page names its sources.
- Free to use. The calculators need no account. The full year-by-year planner needs a free account so it can save your plan. There are no ads.
- Independent. Nobody pays Velafolio to recommend a product, a fund, or a firm.
Checking
How the numbers are checked
Every formula is written down on How we calculate, with the worked examples the calculators themselves produce. Those examples are covered by automated tests that run on every change, so a figure cannot drift without a test failing. Amounts are kept in whole cents and rounded only for display.
Tax figures are updated when the agencies publish them: the IRS sets the next year’s brackets each fall, and Medicare announces premiums around November. Each page shows when it was last updated. If you find an error, I would like to know about it; see below.
Privacy
Your data
The free calculators run in your browser. The figures you type into them stay there; analytics records only that a calculator was used, not what was entered. Plans saved in the planner are encrypted in transit and at rest and are never sold. The details are in the privacy policy.
Contact
Get in touch
Corrections, questions, and suggestions: admin@quantlance.com. I read everything, and corrections get fixed first.
Last updated November 2026.