Editorial Policy

Financial content affects real decisions about real money, so every page on ToolGrym follows the same editorial process. This page describes it.

Two people touch every page

Each calculator article and guide is written by a named author and independently reviewed by a second person with quantitative credentials. The reviewer recomputes every number in the article by hand or against the test suite, checks each claim against its cited source, and has the authority to block publication. Both names appear on the page, linked to profiles listing their credentials.

Math is tested, not trusted

Every formula on this site is implemented as a pure function covered by automated tests pinned to known reference values (for example, the standard amortization formula's output for a $300,000, 30-year loan at 6.5%). These tests run before any change is deployed; a failing test blocks the release. Worked examples in articles are generated from the same functions the calculators use, so the article and the tool can never disagree.

Sources

Factual claims cite primary, authoritative sources — the Consumer Financial Protection Bureau, the Federal Reserve, the IRS, Investor.gov, and equivalent bodies. We do not cite other calculator sites, content farms, or unattributed statistics. Each article lists its sources at the bottom.

Review schedule and corrections

Every tool page displays a "last reviewed" date. Content is re-reviewed on a rolling schedule — sooner when the underlying rules change (tax brackets, contribution limits, regulatory thresholds). If you find an error, email [email protected]; confirmed errors are corrected promptly, a regression test is added where applicable, and the review date is updated.

Independence

Advertising is the site's only revenue source. Advertisers have no influence over which tools we build, what the articles say, or what any calculator returns. We do not publish sponsored content, participate in affiliate programs for financial products, or accept payment for recommendations. If that ever changes, affected pages will say so explicitly.

What our content is not

Nothing on this site is individualized financial advice. Calculators model simplified scenarios; articles explain general mechanics. For decisions with significant consequences, consult a qualified professional — see the financial disclaimer.