This site publishes numbers people use to make decisions about mortgages, taxes, retirement, and debt. Getting one wrong is not a typo — it is a bad decision someone made because they trusted us. These are the rules the content is held to, written down so they can be checked against what actually gets published.
Who writes and maintains the content
Everything here is written and maintained by Víctor Gil Vázquez, who builds and runs the site. There is no anonymous content team and no outsourced article pipeline. Every calculator and article carries a visible byline pointing back to a named person and a working contact address.
What that byline claims is authorship and maintenance, and nothing more. It does not claim a professional credential, because there is not one to claim. Someone who needs advice tailored to their circumstances needs a CPA, an enrolled agent, or a fiduciary adviser — not a website, however carefully built.
Where the numbers come from
Every figure set by law or regulation lives in a dedicated constants file in the project's source code, and each file records two things at the top: the source it came from and the date it was last checked against that source. The federal tax brackets, the Social Security wage base, contribution limits, and state rate tables are all handled this way.
The preference order for sources is: the issuing authority first (IRS, Social Security Administration, CFPB, the Federal Reserve, Treasury, HUD), then a reputable secondary source that transcribes the same primary document, then nothing. There is no fourth tier.
Those files are published in readable form in the reference section, with the same sources and verification dates. Anyone can check the tables the calculators run on rather than taking the results on faith.
The rule about figures we cannot verify
If a number cannot be confirmed against a primary or reputable secondary source, it does not get published. It is not filled in with a plausible value, and it is not estimated silently.
Where a figure is genuinely an estimate, or where a source is secondary rather than the issuing authority, the page says so in the place a reader will actually see it. Two examples currently live on the site: the state income tax page publishes top marginal rates rather than fabricated bracket tables, and labels them as estimates; the capital gains page flags which filing statuses were independently confirmed for 2026 and which follow a conventional relationship to the confirmed ones.
A gap in the data is visible and fixable. A plausible invented number is neither, which is why it is the one thing that is never acceptable here.
How updates happen
Most federal figures are adjusted annually and announced in the autumn for the following tax year. State rates change on their own legislative schedules, and market reference points — mortgage rates, median home prices, index yields — move continuously.
Market-linked figures are used only as starting values in a calculator, never as an authoritative rate, and every calculator that uses one lets you replace it with your own number. Regulatory figures are reviewed when the issuing authority publishes the new year's adjustments, and the verification date on the relevant reference page is updated at the same time as the figure itself, so the two can never silently disagree.
Corrections
If something here is wrong, we want to know, and the fastest route is the contact page. A message that names the page and the specific figure gets fixed fastest.
How corrections are handled depends on what went wrong. A factual error in a published figure is corrected as soon as it is confirmed, and the page's verification date is updated. A calculation error in an engine is fixed with a test added to prevent it recurring — every calculator has a test suite, and a bug that reached production is evidence of a missing test, not just a missing fix. A figure that has been superseded by a new official release is replaced and re-dated.
Corrections are not made quietly by editing a number and moving on. Substantive corrections to figures are reflected in the project's public changelog, so the record of what changed and when is not solely in our hands.
What we will not do
No invented data. Covered above, and it is the rule everything else hangs from.
No headlines the content does not deliver.A title that promises a specific answer has to contain that answer. Curiosity gaps that resolve into nothing are a way of wasting a reader's time to get a click.
No advertising influence on content. The site is supported by advertising, described on the about page. Advertisers have no input into what is written, no product is recommended in exchange for payment, and there are no affiliate arrangements steering a comparison toward one lender or provider. A calculator returns identical results regardless of a visitor's ad or cookie choices.
No personalized financial advice. Everything here is educational. It describes how rules and calculations work; it does not tell you what to do with your money, because doing that responsibly requires knowing things about you that a website does not and should not know.
Limits worth stating plainly
Every calculator simplifies. A paycheck calculator that modeled every state's withholding tables, every local levy, every benefit election, and every mid-year change would be unusable and still incomplete. The value is a good estimate in ten seconds, and the honest framing of that is an estimate, not an answer.
Where a simplification is material — a state tax calculation that uses a top marginal rate rather than real brackets, for instance — the calculator says so next to the result rather than in a footer nobody reads. For anything that turns on an exact figure, the primary source is linked, and a professional is the right next step.