APYCalculator.com

Editorial Standards

Last updated: May 1, 2026

APYCalculator.com publishes calculators and explanatory content about US consumer savings products. These standards describe how we source data, verify claims, label commercial relationships, and correct mistakes. They apply to every page on the site.

Independence

Editorial decisions — which products to cover, how to describe them, which calculators to build — are made independently of our advertising and affiliate relationships. No advertiser or affiliate partner receives advance review of editorial content, and no partner can pay to alter, suppress, or weight coverage. We disclose our commercial relationships in our Advertising Disclosure.

Sources

We rely on primary sources wherever possible:

  • Rates and terms. Sourced from the issuing institution's own rate sheet or product page. We link to the source on the page where the rate appears.
  • Regulatory and tax content. Sourced from the relevant agency — the FDIC, NCUA, IRS, CFPB, US Treasury, FINRA, SEC, OCC, and state regulators — and we link to the regulator's own publication.
  • Macro data. Sourced from official series (FRED, BLS, Treasury Direct, FDIC NDR, etc.).

We do not republish other publishers' rate tables. We do not cite anonymous social posts, unverified screenshots, or marketing emails as evidence of a current rate.

Calculator math

Every calculator on the site uses standard, auditable formulas — most commonly the compound-interest formula A = P(1 + r/n)^(nt) and its variants for periodic contributions. Each calculator page explains the formula, lists its inputs and assumptions, and notes what is not modeled (taxes, fees, inflation, rate changes). The calculator logic is covered by automated tests in the repository; tests run on every change.

Rate freshness

Rate environments change quickly. We aim to refresh featured rates and best-of tables on a regular cadence. Each rate row shows the date it was verified and links to the issuing institution's page so you can confirm the current rate before opening an account. If you spot a rate that looks stale or wrong, please tell us.

Authorship and reviewer credentials

Educational content is produced by the APYCalculator editorial team. We focus on plain, checkable explanations of consumer savings products and avoid making predictions about rates or markets. Where a topic touches tax, legal, or regulatory areas, we cite the relevant primary source and recommend that readers consult a qualified professional for personal advice.

What we do not publish

  • Personalized financial, tax, or legal advice.
  • Predictions about future interest rates or Federal Reserve decisions.
  • Coverage of products we cannot independently verify (e.g., off-shore deposit accounts, unregulated "high-yield" programs, crypto yield products).
  • Affiliate-driven rankings — our comparison tables are sorted by published APY, with affiliate status disclosed separately.

Corrections policy

Mistakes happen. When we find a material error — a wrong rate, an inaccurate explanation, a broken calculator output — we fix it promptly and add a dated correction note to the affected page. Non-material edits (typos, formatting, link updates) are made silently. Readers can request a correction through our Contact page.

Conflict-of-interest policy

Members of the editorial team do not accept gifts, payments, or paid promotional consideration from financial institutions or affiliate partners outside of disclosed program commissions. Personal accounts held by team members at covered institutions do not affect coverage; team members recuse themselves from editing pages that directly evaluate a product they hold if doing so would create a real or apparent conflict.

Use of AI tools

We use automated tools to assist with drafting, formatting, and code generation. Every published article and calculator output is reviewed by a human editor before it goes live. We do not publish AI-generated content as authoritative without that review, and we do not generate fictional sources or quotes.

Feedback

We'd rather hear about a problem than have it sit on the page. Use the Contact page to flag anything that looks wrong, unclear, or out of date.