Editorial policy

Last reviewed: 8 July 2026

Finance Calc App publishes free calculators and educational guides in the personal-finance space — a category Google and financial regulators classify as "Your Money or Your Life" (YMYL). We hold ourselves to a higher standard of accuracy, sourcing, and transparency as a result. This page explains exactly how we work.

Mission and independence

Our mission is to give anyone — regardless of income, education, or geography — access to the same accurate financial maths that accountants and financial advisers use daily. Every tool on this site is free, runs privately in your browser, and carries no hidden agenda to push you toward a specific product.

We are ad-supported. Advertisements are clearly labelled and never influence editorial decisions. We do not accept payment to feature specific financial products, alter calculator results, or favour certain outcomes in our guides.

How we make money (and how we don't)

Our rule is simple: the math is neutral; offers are labelled. Editorial content — calculators, guides, the glossary, data pages — never recommends a specific financial product, and no company can pay to change a number, a ranking, or a conclusion anywhere on this site.

Separately from editorial content, some pages may display clearly-marked partner modules (for example, a "compare current rates" box below a calculator result). These are always labelled as "Advertiser disclosure", they sit visually apart from the calculator and its explanation, and whether a company appears in one has zero effect on what our tools calculate or what our guides say. If we are paid when you click or sign up through such a module, the label says so on that page.

We will never: weave product recommendations into guide prose, accept payment for placement in editorial content, run "best X" listicles ranked by commission, or publish price predictions for any asset.

Accuracy standards

Every numeric claim on this site must meet all three of the following criteria before publication:

1. Primary source. Tax rates, interest rate benchmarks, and regulatory figures are taken directly from the relevant government authority (IRS, HMRC, CRA, ATO, Bank of England, Federal Reserve, etc.) — not secondary aggregators.
2. Formula verification. Calculator formulas are documented on the methodology page and verified against at least one independent reference (textbook, academic paper, or official government publication).
3. Output spot-check. Before launch, each calculator's outputs are checked against known-correct values — official tax tables, standard amortisation schedules, or published textbook examples.

Sourcing and citations

All source URLs are stored in the calculator codebase itself and published on the methodology & sources page. Sources are:

• Government tax authorities for all bracket and rate data.
• Peer-reviewed academic research for behavioural assumptions (e.g. the 4% safe withdrawal rate).
• Central bank reference rates for the currency converter.

We do not cite Wikipedia, financial marketing materials, or news articles as primary sources for quantitative claims.

Update cadence

Tax brackets change annually and sometimes mid-year. Our update schedule:

• United States: federal brackets updated within two weeks of IRS announcement (typically late October). FICA wage bases updated immediately when the SSA publishes them.
• United Kingdom: updated within two weeks of each Budget statement and the annual National Insurance confirmation.
• Canada: federal brackets updated within two weeks of CRA announcement (typically November). CPP and EI rates updated when confirmed.
• Australia: updated within two weeks of each Federal Budget or ATO announcement.
• Currency rates: the currency converter pulls live European Central Bank reference rates daily via the Frankfurter API.

Each calculator page shows the tax year it currently uses in the byline. If you notice a discrepancy between our figures and a recently published official table, please contact us — corrections are usually applied within 24 hours.

What we cover — and what we don't

Our calculators use simplified models appropriate for the majority of users. We document every simplification on the methodology page. We do not model:

• US state or Canadian provincial income tax (planned for a future release).
• Complex deductions, alternative minimum tax, or phase-outs.
• Non-resident or dual-residency tax situations.
• Employer-specific payroll deductions (union dues, voluntary retirement contributions).

We recommend verifying significant decisions with a qualified professional. Our disclaimer sets out the full scope of limitations.

Authorship and review

Every page on Finance Calc App is written and maintained by a named author, identified in the byline. See our team page for author credentials. We verify all quantitative content against primary sources before publication, and we are actively seeking qualified professionals (CPAs, CFP®s, chartered accountants) to formally review our most complex tax and investment content — any reviewer is credited by name on the page they review.

We do not publish anonymous content. We do not use AI to generate factual claims about tax rates or financial regulations — all quantitative content is written and verified by humans against primary sources.

Corrections policy

When we identify or are notified of an error in a calculator or guide, we:

1. Fix the error as quickly as possible (usually within 24 hours for tax-rate errors).
2. Update the "last reviewed" date on the affected page.
3. Note the correction in our updates & corrections log if it materially affects published outputs.

To report an error, use the contact form. Please include the calculator name, your inputs, the output you received, and the correct figure with a source URL if possible.

YMYL and financial regulatory position

Finance Calc App provides educational tools and general financial information. We are not:

• A licensed financial adviser, broker, or planner in any jurisdiction.
• Authorised or regulated by the FCA (UK), ASIC (AU), IIROC/OSC (CA), or any US financial regulator.

Nothing on this site constitutes personalised financial, tax, investment, or legal advice. Calculator outputs are estimates for planning purposes. Always consult a qualified professional before making significant financial decisions. See our disclaimer for the full statement.

Contact us

For editorial enquiries, corrections, or feedback: contact form.