Akshaya Panda

Background

I am an engineering leader and the author of Designing AI Agent Systems: A Practical Guide to Multi-Agent Architectures, Autonomous Workflows, and Intelligent AI Applications (ISBN 9798180428578) — published under the shortened byline “Akshay Panda”, which is the same person. Akshaya is the full name and the one used here and on LinkedIn. My professional background is in software and systems architecture — designing systems where a wrong number has consequences, and building the checks that catch it.

You can verify who I am on LinkedIn. I run Utilia on my own; there is no anonymous "editorial team" behind it, and I would rather say so plainly than imply a newsroom that does not exist.

What I Actually Do Here

I select the published formula each calculator implements, build the calculation engine, test it against worked examples computed independently, and write the explanation that sits beneath the tool. When a result looked wrong to me during testing, the formula source is what settled it — not my judgement.

That is the part I can genuinely vouch for: that the arithmetic on this site does what the cited source says it does, and that you can check it yourself.

What I Am Not

I am not a financial adviser, a physician, a dietitian, or a tax professional, and I hold no credential in any of those fields. Nothing on Utilia is personal financial, medical, or tax advice, and none of it should be the last step before a decision that matters.

This is why the calculators cite their sources rather than asking you to trust me. Every health tool names the published equation or clinical guideline it implements — the Mifflin–St Jeor equation, an American Heart Association threshold, a CDC growth reference — and links to it. Every finance tool names the IRS publication, SSA rule, or standard formula behind its numbers. The authority belongs to the source; my job is to implement it correctly and show you where it came from, so a specialist could check my work and so could you.

Where a decision has real stakes — a diagnosis, a retirement plan, a tax filing — take the number from here to someone licensed to advise you on it.

Corrections

If a formula, worked example, or cited source on this site is wrong, I want to know, and I would rather hear it bluntly. Use the contact form; it reaches me directly. Include the calculator, the inputs you used, and what you expected to see. Confirmed errors are fixed and the page records the date it changed.

More on How This Site Works

Calculator Methodology covers how tools are built and tested. How Calculations Are Derived shows the formulas themselves. Editorial Policy describes what gets published and what does not.