Advertiser and affiliate disclosure

1. Who we are

CalcFi (operated by Autonomatica, an Estonian company based in Tallinn) provides free financial calculators and educational content at calcfi.app. Our calculators are designed to help you make informed financial decisions. They are educational tools, not personalized financial advice.

2. How we earn revenue

CalcFi earns revenue through the following channels:

• ·Affiliate commissions. When you click a link to a partner financial product (for example, a loan lender, investing platform, or tax software) and complete a qualifying action (account opening, loan funding, subscription), we may receive a commission from the partner company.
• ·Display advertising. We may display third-party advertisements on some pages. Advertisers do not influence our editorial content.
• ·Sponsored content. Occasionally, we publish content sponsored by a financial company. All sponsored content is clearly labeled as such.

These revenue sources allow us to offer all 300+ calculators for free, without requiring a login or subscription.

3. FTC compliance

In accordance with the Federal Trade Commission's (FTC) guidelines on endorsements and testimonials (16 CFR Part 255), CalcFi discloses material connections between our site and recommended products:

• ·Pages containing affiliate links display an "Advertiser Disclosure" notice near the top.
• ·Individual affiliate links are marked with contextual disclosures where technically feasible.
• ·The presence of a "Recommended Tools" section, "Sponsored" label, or partner CTA indicates a potential financial relationship.

4. How affiliate relationships affect our content

We want to be direct: we evaluate financial products independently of their affiliate programs. Our criteria include:

• ·Product quality, features, and user experience
• ·Fees, rates, and real-world value to our readers
• ·Customer service and regulatory standing
• ·Relevance to the calculator a user just completed

We do not:

• ·Accept payment to rank a product higher than it deserves
• ·Alter calculator results to favor affiliate partners
• ·Remove negative reviews because a partner requests it
• ·Recommend products we wouldn't use ourselves

That said, be aware that we have a financial incentive when you click affiliate links. We believe this is offset by our commitment to accuracy and relevance, but weigh that context when reading our recommendations.

5. Our partner companies

We may partner with companies across the following categories of financial products:

• ·Banking and savings
• ·Investing and retirement platforms
• ·Mortgages and loans
• ·Tax software
• ·Insurance
• ·Credit and financial health
• ·Legal and business formation
• ·Real estate
• ·Cryptocurrency exchanges

Specific partner relationships change over time. The categories listed here describe the scope of possible affiliate connections, not a guaranteed roster.

6. Rates, fees, and product information

Financial products change frequently. Interest rates, fees, eligibility requirements, and features described on CalcFi are accurate as of the date shown but may have changed. Always verify current terms directly with the provider before making any financial decision.

CalcFi calculators use publicly available data sources, IRS publications, and financial formulas. We update them regularly, but they are not real-time financial instruments.

7. Not financial advice

Nothing on CalcFi constitutes financial, tax, legal, or investment advice. The calculators and content are for educational and informational purposes only. Results are estimates based on the inputs you provide. Always consult a qualified financial professional before making significant financial decisions.

8. Contact us

If you have questions about our affiliate relationships, editorial policies, or this disclosure, please contact us at hello@calcfi.app.

If you believe a product recommendation is misleading or inappropriate, we want to know. Send a detailed email and we'll review it within 5 business days.

9. Changes to this disclosure

We will update this page when our affiliate relationships or editorial policies change materially. The "last updated" date at the top of this page reflects the most recent revision.