Editorial Standards

Last updated: July 14, 2026

AllCalFinance publishes free calculators and guides on personal finance — a Your Money or Your Life (YMYL) topic. This page documents the standards we apply to every calculator and article, so readers, search engines, and advertisers know how our content is produced.

Who we are

AllCalFinance is an independent editorial project operated by a small team of contributors with backgrounds in software engineering, financial data analysis, and personal-finance research. We are not affiliated with any bank, broker, lender, or financial institution. We do not accept sponsored content or paid placements. Articles are published under the AllCalFinance Editorial byline; ownership and accountability rest with the operating team, which can be reached at rcsupport@outlook.com.

How we build calculators

• Formulas come from primary references. Tax tables from the IRS; retirement contribution limits from the IRS and SSA; consumer-loan amortization from textbook-standard time-value-of-money math. Sources are named in the article that accompanies each calculator.
• Every calculation is unit-tested. Each calculator is covered by automated tests that compare its output against known reference values — for example, a 30-year fixed-rate mortgage at 6% must match a published amortization table to the cent. Tests run on every deploy.
• Decimal-safe arithmetic. We use the decimal.js library to avoid floating-point rounding errors that ordinary JavaScript numbers accumulate when compounding interest or amortizing loans.
• Inputs stay in the browser. The amounts you type into a calculator are never sent to our servers. Reload the page and they are gone.

How we write and review content

1. Research pass. A contributor gathers primary sources — federal agency publications, regulatory filings, or textbook references — and drafts the article outline, formula, worked example, and FAQ.
2. Draft pass. The draft is written in plain English for non-experts, avoiding jargon or clarifying it inline. Assumptions are stated explicitly (assumed tax bracket, assumed return, etc.).
3. AI-assisted content is edited by a human. Some drafts are generated with the assistance of large language models, but they are reviewed and corrected by a person before publishing — particularly for numerical claims, tax figures, and legal language.
4. Editorial review. A second contributor reads the draft against the linked calculator, confirms the worked example matches, and verifies the FAQ has no outdated numbers.
5. Published with a review date. Every calculator and article carries a visible “Reviewed” date. Pages that reference year-specific numbers (tax brackets, contribution limits) are reviewed at the start of each calendar year at minimum.

Corrections policy

If you find a math error, an out-of-date tax figure, an incorrect contribution limit, or any factual mistake, please email rcsupport@outlook.com with the URL and the issue. We aim to correct verified errors within three business days. Substantive corrections update the “Reviewed” date on the affected page.

What we will not publish

• Personalized financial advice. Our calculators and guides are educational only. They cannot replace advice from a licensed CPA, CFP, or attorney who knows your full situation.
• Sponsored content that is not clearly marked. We currently accept no sponsored content of any kind. If that ever changes, the placement will be visibly labelled and disclosed on this page.
• Content produced solely by an unattended AI pipeline. AI is a research and drafting tool for us; a human is responsible for every published page.
• Content that promotes high-risk investments as safe. Cryptocurrency, options, and other volatile instruments are covered descriptively where relevant, but always with prominent risk disclaimers.

How we make money

AllCalFinance is funded by advertising served through Google AdSense. Ads are chosen by Google’s auction, not by us; we have no editorial control over which ads appear and do not endorse any advertiser. We do not currently participate in any affiliate program. If that changes, this page and the disclaimer will be updated to describe the arrangement.

Contact

Editorial questions, corrections, and press inquiries: rcsupport@outlook.com. For privacy or data questions, see the Privacy Policy. For legal terms, see the Terms of Service.