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
- Auto financing math — Reg Z Truth-in-Lending disclosures, APR vs. money factor conversion, amortization schedules
- Lease vs. buy analysis — NADA residual values, capitalized cost negotiation, money factor to APR conversion, mileage penalty modeling
- Depreciation modeling — KBB and NADA historical depreciation curves, optimal hold-or-sell timing
- True ownership cost — AAA Your Driving Costs framework — depreciation, fuel, insurance, maintenance, registration, financing
- AI automation — workflow design, agent architecture, human-in-the-loop systems