McCulloch was born on 1 March 1789 at Whithorn, Wigtownshire, and died on 11 November 1864 in London, at the Stationery Office, of which he was Comptroller. He attended Edinburgh University from 1807 to 1811, studying mathematics, agriculture and ethics, and left without graduating. After a spell as a lawyer's clerk, he turned his attention to economics, and in 1816 published two versions of an essay on the national debt. He sent the first to ricardo, who responded, and McCulloch came under his influence.
From The Biographical Dictionary of British Economists in Oxford Reference.