Editorial Policy

What this site publishes

$MoneyCalc publishes personal finance calculators: loans and mortgages, interest and compound growth, taxes and pay, savings and retirement, debt payoff, and everyday money maths. Alongside them we publish written guides that explain how a calculation works and when it is the wrong tool for the job.

Nothing here is written for the purpose of ranking. A guide exists because someone asked a question the calculator did not answer. If a page does not help a reader make a decision, we do not write it.

How we choose which calculators to build

• A question people actually ask. The calculator answers a real decision someone is trying to make, not an abstract maths exercise.
• A documented formula. We can show the derivation and the standard the method comes from, rather than reverse-engineering a number.
• Wrong in a safe direction. A calculator that produces a rough order of magnitude is useful; one that gives false precision about someone's finances is not.

Where our numbers come from

Formulas follow standard financial mathematics. Where a calculation depends on a published schedule — for example tax brackets, statutory contribution rates, or standard deduction figures — we cite the schedule and the year it applies to, and state the date on the page.

We do not invent figures. If a number cannot be sourced confidently, we either leave it out or label it explicitly as an estimate and say what the estimate depends on.

How we review

Every calculator is checked against hand-worked examples with known answers before it goes live. Formulas are derived rather than copied, so we can explain why the result is what it is. Changes to existing calculators are re-checked the same way — not only new ones.

Corrections

If a calculation or a page is wrong, we fix it and say so. Email hello@moneycalchub.com and we will confirm what was wrong and when it was corrected.

We do not remove correct information because it is unfavourable to an advertiser, and we do not change a conclusion to match a paid placement.

Advertising

$MoneyCalc is supported by advertising. Advertising does not influence which calculators we build, how they calculate, or what a guide concludes. No page is written to promote a sponsor.

Independence

Nothing on this site is financial, tax, investment or legal advice. We do not know your circumstances, and a calculator cannot. Editorial decisions are made independently of advertisers — a sponsor has never changed a formula, a rate, or a conclusion.