APYCalculator.com

Advertising Disclosure

Last updated: May 1, 2026

APYCalculator.com is a free site supported by two revenue streams: display advertising and affiliate partnerships. This page explains how each works, how we label them, and how they do (and do not) affect the content you read.

How we make money

1. Display advertising

We display advertising on most pages through Google AdSense. Google and its partners choose which ads to show based on context (the page topic) and, where you have consented, your browsing history. We are paid by Google based on impressions and clicks. We do not choose which specific ads appear, and we do not have an advertising relationship with the institutions whose ads may run alongside our content unless we disclose that separately.

Every ad unit on the site is labeled "Advertisement" or "Sponsored Links" and is visually separated from editorial content. You can control personalized advertising through Google Ads Settings, aboutads.info, or networkadvertising.org.

2. Affiliate partnerships

We have direct affiliate relationships with some of the financial institutions whose products we cover. When you click an affiliate link and open an account or complete a qualifying action with the partner, we may earn a referral fee at no additional cost to you. The rate, fee, and terms you receive are determined entirely by the partner; an affiliate relationship does not change them.

We follow the Federal Trade Commission's endorsement guidelines (16 CFR Part 255):

  • Every page that contains an affiliate link carries an Advertiser Disclosure label near the top.
  • Every affiliate link is marked in the underlying HTML with rel="sponsored" so search engines and screen readers can identify the relationship.
  • Our affiliate comparison tables explicitly identify which institutions are partners. We do not hide the relationship behind a generic "Visit" button.

How commercial relationships affect content (and how they don't)

We do:

  • Choose, on our own initiative, to cover institutions and products we believe are useful for consumers to know about.
  • Apply to affiliate programs at institutions we already cover when those programs exist and are open to publishers.
  • Disclose every affiliate relationship and label every affiliate link.

We do not:

  • Sell content placements, "sponsored" articles, or paid links disguised as editorial.
  • Let partners rewrite, soften, or pre-approve our editorial coverage.
  • Rank comparison tables based on affiliate payout. Our rate tables are sorted by published APY (or the metric named at the top of the table), with affiliate status disclosed but not used as a sort key.
  • Cover unregulated or off-shore "high-yield" programs, regardless of any payout offered.

Coverage gaps

Not every institution offers an affiliate program, and we have not applied to every program that exists. The set of institutions we have an affiliate relationship with is therefore a subset — not a superset — of the institutions we cover editorially. An institution's absence from our affiliate disclosure does not mean it is worse; in many cases it simply means the institution does not run an affiliate program (or runs one only through brokers we are not part of).

Sponsorships and paid placements

We do not currently accept sponsored articles, paid guest posts, or paid links. If that changes, we will update this page and clearly label every sponsored unit on the page where it appears.

Editorial control

Editorial decisions are governed by our Editorial Standards. No advertiser or affiliate partner has approval rights over our content, our comparison tables, or our calculators.

Questions

If you have a question about a specific link, label, or relationship, please contact us through our Contact page and we will respond.