Affiliate Disclosure

How FinCalcs Earns Revenue

FinCalcs.co is a free financial education platform. We earn revenue through affiliate partnerships with financial services companies. When you click certain links on our site and take action (such as applying for a loan, opening an account, or purchasing software), we may receive compensation from the company. This compensation helps us maintain our 333 calculators, live rate data, benchmark tools, and educational content at no cost to you.

What This Means for You

Our recommendations are never influenced by compensation. Product recommendations on FC Benchmarks and FC Pulse appear only when your financial data reveals a genuine gap where the product could help you. If your savings are above the median, you will not see savings account recommendations — regardless of the commission we could earn.

We do not recommend products we would not use ourselves. Every product featured on FinCalcs has been evaluated for reputation, consumer reviews, regulatory standing, and value to the user.

You never pay more. Our affiliate partnerships do not increase the price you pay for any product or service. In many cases, affiliate links provide the same or better rates as going directly to the company.

Our Affiliate Partners

FinCalcs partners with financial services companies through affiliate networks including CJ Affiliate, Impact, and direct partnerships. Our partners may include mortgage lenders, high-yield savings account providers, student loan refinancing companies, balance transfer credit card issuers, tax preparation software companies, HSA providers, robo-advisors, and other financial services companies.

Not all products or companies on FinCalcs are affiliate partners. Many calculator results, benchmark data points, and educational content reference products and data sources with no affiliate relationship.

How Recommendations Are Generated

Product recommendations on FC Benchmarks and FC Pulse are generated programmatically based on your financial data (stored locally in your browser). The recommendation logic works as follows:

1. Your financial data from the Financial Health Checkup or saved calculator results is compared against national benchmarks for your age and income bracket.

2. If your position falls below a category-specific threshold (typically the 40th-55th percentile), a recommendation panel appears with 2-3 relevant products.

3. Each recommendation includes a personalized calculation showing the specific dollar impact for your situation (e.g., "switching to a 4.50% APY HYSA would earn you $562/year on your $12,500 balance").

4. Recommendations are never shown to users who are already above the median in that category.

FinCalcs Pro

FinCalcs Pro ($9/month or $80/year) is a subscription service that unlocks additional features including personalized analysis across all 8 benchmark categories, PDF reports, custom peer groups, and unlimited rate alerts. Pro subscriptions are processed through Stripe. FinCalcs Pro is a separate revenue stream from affiliate partnerships.

Contact

Questions about our affiliate relationships? Contact us at dabiyen@gmail.com.