Byron Maloneis the founder and editor of Bedrocka Tools — the verifiable calculator company — and the founder of Bedrocka Ventures, the AI-native holding company that operates Bedrocka Tools alongside other ventures.
Bedrocka Tools is built on open math, cited sources, and real humans accountable for the work. Byron is not a licensed financial advisor, CPA, or attorney. Calculators are designed to make readers better-informed buyers of professional advice — see thedisclaimer.
Areas of expertise
- Student loan math — IDR plans (SAVE/PAYE/IBR/ICR), PSLF eligibility, standard repayment amortization, refinancing breakeven
- Financial aid calculation — EFC/SAI calculation under FAFSA Simplification Act (FUTURE Act), institutional methodology, Pell Grant eligibility
- 529 plan strategy — SECURE 2.0 changes, state tax deductions, qualified distributions, rollover rules to Roth IRA
- Scholarship ROI — Scholarship net cost vs. loan borrowing comparison, work-study tradeoffs, opportunity cost of college
- AI automation — workflow design, agent architecture, human-in-the-loop systems