Author & Financial Technology Contributor
John G. Hillman
Contributor specializing in quantitative finance, algorithm validation, mathematical modeling, and interactive web calculator architecture on CRDPay.
Articles Written by John G. Hillman
Mathematical Foundations
Oct 17, 2026
Understanding Compound Interest: Mathematical Derivations and Real-World Growth Models
Explore the actuarial mathematics behind compound interest, monthly contribution annuities, APY conversions, and exponential wealth curves.
Loans & Credit
Oct 17, 2026
How Loan Amortization Works: Breaking Down the Monthly Payment Equation
Learn how banks calculate fixed monthly installment loans, how the interest-to-principal ratio shifts over time, and how extra payments slash…
Business & Economics
Oct 17, 2026
Percentage Calculation Formulas: Percentage Change, Difference, and Asymmetry Explained
Master practical percentage mathematics, understand why portfolio drops require larger gains to recover, and learn the standard formulas for commercial…