Portrait of Robert Sterling

Robert Sterling

Chartered Financial Analyst (CFA)

Robert Sterling spent over twelve years across corporate treasury and private wealth management before focusing full-time on financial education and analytical tooling. He began his career as an equity and credit analyst in Chicago, dissecting discounted cash flows, bond yields, and capital budgeting models for mid-market manufacturing companies.

He earned his Bachelor's degree in Finance and Economics from the University of Illinois Urbana-Champaign in 2011 and achieved the Chartered Financial Analyst (CFA) credential in 2015. During his subsequent tenure as a senior portfolio analyst, he observed that retail investors and everyday households routinely faced confusing jargon and hidden compound interest costs when evaluating mortgages, personal loans, and retirement strategies.

To bridge that gap, Robert transitioned into developing financial literacy applications and computational decision frameworks. At Bro Calculator, he writes, codes, and audits tools across the Finance category. He ensures every calculation—from amortization schedules and 401(k) retirement forecasting to sales tax and break-even analysis—uses rigorous GAAP-compliant formulas and mathematically transparent step-by-step breakdowns.

Areas of expertise

  • Compound interest and time value of money (TVM)
  • Mortgage amortization, APR, and refinancing schedules
  • Retirement planning (401k, Roth IRA, Social Security projections)
  • Investment appraisal (NPV, IRR, MIRR, ROI, Payback period)
  • Income tax brackets, paycheck deductions, and capital gains
  • Debt-to-income (DTI) ratio and personal budgeting
  • Corporate finance (Depreciation, Break-even, Profit margin)
  • Annuities, bonds, and future value forecasting

Education

  • B.S. in Finance & Economics, University of Illinois Urbana-Champaign (2011)
  • Chartered Financial Analyst (CFA) Charterholder, CFA Institute (2015)

Contributed to calculators