Your age isn't simply the number of days you've been alive divided by 365.25. That approach ignores the actual calendar: months don't all have the same number of days, and the "extra" day in leap years shifts things further. A calendar-accurate calculator instead compares year, month, and day components directly. It starts with the difference in years, then the difference in months, then the difference in days, borrowing from the next larger unit whenever a smaller one goes negative, exactly the way you'd count "years, months, and days" by hand on a calendar.
Dividing total days lived by 365.25 gives you a decimal age like "21.34 years," which is a rough estimate at best. It doesn't tell you how many full months have passed since your last birthday, and small rounding errors compound over a lifetime. Worse, it can't correctly account for someone born close to a leap day. Calendar math avoids all of this by working with actual dates instead of averages.
Leap years add February 29 every four years (with century-year exceptions), and calendar-accurate calculators handle this automatically because they work off real calendar dates rather than a fixed 365-day assumption. If you were born on February 29, your calculated "years, months, days" age still lands correctly using the nearest valid date logic built into JavaScript's own date arithmetic, so leap-year birthdays are never a special case you need to think about.
Leave "Calculate age as of" blank to use today's date, or set it to any date to find out how old you were, or will be, on that specific day, handy for figuring out your exact age at a past event or a future deadline.