The CalcGrowth Editorial Team

CalcGrowth is produced by a small editorial team that researches, builds, writes, and reviews everything published here. We publish under the CalcGrowth editorial team name rather than individual bylines, because each calculator and guide is the result of shared work: one person researching the formula, another implementing and testing it, and a further review pass before anything goes live.

We want to be straightforward about what that means. The team does not hold, and does not claim, professional financial certifications or licences, and nothing on this site is written by a licensed adviser acting in that capacity. What we do claim is a careful, documented process: recognised formulas, verified arithmetic, primary sources, and open methodology that anyone can check for themselves.

The team exists to make everyday money maths understandable and verifiable. Its responsibilities are to choose the right formula for each tool, to keep the explanations honest and readable, to keep published pages current, and to correct mistakes quickly when they surface.

Equally important is what the team does not do: it does not recommend products, rank lenders for payment, or tailor content to any advertiser. The measure of a good CalcGrowth page is whether a reader leaves it able to answer their own question.

Six principles guide every calculator and guide published on CalcGrowth.

• Accuracy

  Every calculator uses a standard, recognised finance formula, and every worked example is recalculated before it is published. If a number cannot be verified, it does not go on the page.

• Clarity

  We write for readers without a finance background. Jargon is defined the first time it appears, and a short worked example is always preferred over an abstract definition.

• Independence

  No advertiser, lender, or partner can pay for coverage, placement, or a favourable framing. Editorial decisions are made independently of how the site is funded.

• Transparency

  Assumptions, defaults, and formulas are documented openly on the methodology page so any result on this site can be checked independently.

• Regular updates

  Pages are revisited as benchmarks shift. When content changes materially, the visible "Last updated" date on the page is refreshed so you always know how current it is.

• Educational focus

  CalcGrowth exists to help you understand the maths behind a decision and model your own scenarios — not to sell a product or recommend one to you personally.

Every calculator on the site goes through the same seven-step process before it is published, and again whenever its logic changes.

1. 1. Formula research

   We identify the standard formula for the problem — the future value of an annuity for compound growth, the amortization formula for loans and mortgages, conventional DTI ratios for affordability — and document it before any code is written.

2. 2. Verification against recognised formulas

   The implementation is checked line by line against the published formula and against standard finance references, so the output matches what a textbook or lender disclosure would produce.

3. 3. Manual testing

   Each calculator is exercised by hand across realistic and edge-case inputs — zero interest, very short and very long terms, large and small balances — to confirm it stays stable and sensible throughout.

4. 4. Cross-checking calculations

   Results are compared against independently worked calculations and against our other calculators covering the same maths, so two tools on this site never disagree about the same scenario.

5. 5. Browser-based execution

   Calculations run entirely in your browser. There is no server round trip for a result, which keeps tools fast and means your figures are never transmitted to us.

6. 6. Privacy-first design

   No account, sign-up, or personal detail is required to use any calculator, and inputs stay on your device. See the Privacy Policy for the full detail.

7. 7. Ongoing improvements

   Tools are revisited as we add inputs readers ask for, refine defaults, and improve explanations of what each output actually means.

The formulas, defaults, and assumptions behind each tool are written up in full on the methodology page, so you can reproduce any result by hand if you want to.

Guides follow a parallel process, from the initial question through to the corrections we make after publication.

• Research

  A guide starts from a specific question readers are actually asking, researched against primary sources: published lender disclosures, government and central-bank guidance, standard finance formulas, and historical data where relevant.

• Fact checking

  Figures, thresholds, and rules quoted in a guide are traced back to a primary source. Every worked example states its assumptions so a reader can reproduce or adjust it.

• Plain-English writing

  Drafts are rewritten to remove jargon walls and filler. If a term such as APR, PITI, or DTI is unavoidable, it is defined in place and linked to a fuller explainer.

• Internal review

  Before publication, another member of the editorial team reads the draft against the calculators it references, checking that the numbers, links, and conclusions all agree.

• Periodic updates

  Published guides are reviewed on an ongoing basis. When benchmarks or common thresholds move, the affected pages are updated and re-dated.

• Corrections

  When an inaccuracy is found — by us or by a reader — it is corrected promptly and the page's update date is refreshed. Corrections are treated as a priority, not a backlog item.

We would rather publish fewer pages than publish an unverified number. If a figure cannot be traced to a primary source or reproduced by an independent calculation, it either gets stated as an assumption — clearly labelled — or it does not get published.

If you believe something on this site is wrong, please tell us. Reader corrections are read, checked, and acted on, and we would much rather fix an error than defend one.

Every calculator and guide carries a visible "Last updated" date. That date changes when the content itself materially changes: a formula or default is revised, an example is recalculated, a threshold or benchmark is refreshed, or a correction is applied. We do not bump dates cosmetically to look current.

Where a page depends on figures that move over time — typical interest rate ranges, PMI thresholds, common DTI caps — we say so on the page, so you know which parts to re-check against a current source before relying on them.

CalcGrowth is free to use and is supported by unobtrusive display advertising. That funding has no bearing on what we publish. Advertisers cannot commission, review, approve, or influence any calculator, guide, comparison, or recommendation on this site, and ad placement is kept visually separate from calculator outputs so it never reads as part of a result.

Any suggestion we make — pay down high-interest debt first, automate savings, compare a 15-year against a 30-year term — reflects the maths on the page, not a commercial relationship.

There is an important difference between educational information and financial advice. Educational information explains how something works and lets you model scenarios with your own numbers — that is what CalcGrowth provides. Personalised financial advice takes account of your full circumstances, goals, tax position, and risk tolerance, and is given by a qualified professional who is accountable for that recommendation.

Nothing on this site is personalised financial, investment, legal, or tax advice. Before acting on a real financial decision, speak to a qualified professional who understands your complete situation. Our full disclaimer sets out the limits in detail.

Everything about how CalcGrowth operates is documented publicly. These pages together describe our standards, our maths, and your rights as a reader.

• About CalcGrowthWhy the site exists and what it covers.
• Editorial PolicyThe standards every page is held to.
• MethodologyFormulas, assumptions, and defaults in full.
• Privacy PolicyWhat is and isn't collected when you use the site.
• DisclaimerThe limits of educational financial information.
• TermsThe terms that govern use of this site.
• ContactReport an error or suggest a topic.