We Are
We Are Calculator logo
Calculator
← Back to Home

Editorial & Verification Policy

Last Updated: July 5, 2026

We Are Calculator is a tools-first financial site. We do not publish personal financial advice, opinion pieces, or product reviews. Everything on this site falls into two categories: calculation tools and educational explanations of the math behind them. This page explains how we keep both accurate.

How Our Formulas Are Verified

Every calculator on this site is built and tested against primary sources — not other calculator websites. Depending on the tool, that means:

  • Tax tools: current-year IRS publications and revenue procedures (federal brackets, capital gains thresholds, Net Investment Income Tax rules) and CRA guidance for Canadian figures.
  • Retirement tools: the IRS Uniform Lifetime Table for Required Minimum Distributions, official contribution limits, and published academic research such as the Trinity Study for safe withdrawal rates.
  • Mortgage and loan tools: standard amortization mathematics as documented by the Consumer Financial Protection Bureau (CFPB) and used by North American lenders.
  • Affordability data: government and institutional datasets (U.S. Census, Zillow Home Value Index, Bank of Canada and Federal Reserve rate data), with our full methodology and sources published alongside the data.

Our Audit Process

We periodically audit the entire calculator library — every formula, every default assumption. Our most recent full audit (June 2026) reviewed all 66 tools against primary sources and included automated verification tests comparing calculator outputs to hand-computed reference values. Tools found to have outdated tables or imprecise formulas were rewritten, not patched.

How Reference Data Stays Current

Tax brackets, contribution limits, lifetime tables, and similar figures are updated when the issuing agency publishes new values. Each guide displays a "Last Updated" date. If you find a figure that has fallen out of date, tell us — verified corrections are applied promptly and we credit accuracy reports in our changelog.

Who Writes Our Content

Content is produced by the We Are Calculator editorial team — the same developers and financial-data researchers who build and verify the tools. We deliberately limit ourselves to explaining formulas, assumptions, and published data. We are not licensed financial advisors, and we do not pretend to be: you will never find "what should I do with my money" advice here, only transparent math you can check yourself.

Independence

Advertising and affiliate partnerships (see our Affiliate Disclosure) never influence formulas, default assumptions, calculation results, or which tools we build. No partner can pay to change a number on this site.

Corrections

When we correct a substantive error, we update the affected page and its "Last Updated" date. To report an error, email contact@wearecalculator.com with the tool name and the scenario you entered.