Editorial Policy

CalcGrowth exists to make everyday money math easier to understand. Every calculator and guide on the site is written for people without a finance background, with one goal: leave the page with a clear, accurate answer to a real question — not a sales pitch.

Each guide starts from the specific question a reader is searching — "how much house can I afford on $80k", "is biweekly better than monthly?" — and is researched against primary sources: published lender disclosures, government and central-bank guidance, standard textbook finance formulas, and historical market data where relevant.

We avoid second-hand summaries when a primary source is available, and we cite the assumptions behind every worked example so readers can verify or adjust the numbers for their own situation.

Every calculator uses the standard, industry-recognised formula for its domain — the future value of an annuity for compound interest, the amortization formula for loans and mortgages, and conventional DTI ratios for affordability. We simulate payments and growth month-by-month rather than using shortcut approximations.

All formulas, assumptions, and defaults are documented openly on the How our calculators work page so anyone can verify a result independently.

We write the way we'd explain a concept to a friend over coffee. That means no jargon walls, no "as we all know" filler, and no padding to hit a word count. If a term is unavoidable (APR, PITI, DTI), we define it the first time we use it and link to the relevant explainer.

We prefer a short worked example over a long abstract definition, and we'd rather ship one clear answer than three hedged ones.

Calculators and guides are reviewed regularly. When benchmarks shift — typical interest rate ranges, PMI thresholds, common DTI caps — the affected tools and articles are updated and the visible "Last updated" date is bumped on the page so readers always know how fresh the content is.

Internal links exist to help readers go deeper, not to manipulate rankings. Every link in a guide or calculator points to a page that genuinely extends or supports the surrounding context — a related calculator, a deeper explainer, or a worked example — and uses descriptive anchor text rather than generic "click here" phrasing.

Everything on CalcGrowth is educational and intended to help readers understand financial concepts and run scenarios for themselves. Nothing on the site is personalised financial, investment, legal, or tax advice. Before making a real financial decision, speak to a qualified professional who understands your full situation. See our full disclaimer for details.