Editorial Standards & Methodology

Last updated: June 27, 2026

SimplyInvest is an educational tools and calculator brand. We don’t claim to be your advisor or a team of celebrity experts. We earn trust a plainer way: we show our work, we cite primary sources, and we tell you exactly how our calculators arrive at a number.

What this site is

SimplyInvest.tools publishes free investing calculators and plain-English financial education. We are an independent educational brand, not a licensed advisory firm. Our goal is narrow and honest: take a financial question — “how does compounding work,” “what does inflation do to my savings,” “am I on track for retirement” — and let you get a clear, specific answer by entering your own numbers. Everything here is educational and general. It is not financial advice.

How we research and source

Every statistic we publish is traced to a named primary source and deep-linked directly to it, so you can verify it yourself rather than taking our word for it. We do not cite a homepage as a stand-in for a real figure, and we attribute each number to the organization that actually published it. The source tiers we rely on include:

• The Federal Reserve (FOMC decisions, rate data)
• The U.S. Bureau of Labor Statistics (CPI inflation, wages, employment)
• The Internal Revenue Service (contribution limits, tax brackets, deductions)
• The U.S. Treasury (yields, savings bond rates)
• Established financial institutions and research (for example Fidelity, Vanguard) for industry data, clearly attributed

When a figure is an estimate, an assumption, or an average, we say so rather than presenting it as a hard fact.

How our calculators work

Each calculator is built on a standard, documented financial formula, and each one explains its assumptions on the page in its “How it works” and “Common questions” sections. The numbers you enter are processed entirely in your browser — they are never sent to us. Because results depend on assumptions like rate of return, inflation, and time horizon, they are illustrative estimates, not predictions. We encourage you to change the assumptions and watch how the answer moves; that sensitivity is the lesson. For the formulas and assumptions behind any specific tool, read that tool’s own explainer — for example the Compound Interest Calculator, Retirement Calculator, or Inflation Calculator.

How we check figures before publishing

Before an article or calculator goes live, time-sensitive figures (rates, contribution limits, index levels, CPI prints) are checked against their primary source, and citations are verified to deep-link to the specific page they came from. Schema and on-page data are validated automatically as part of our publishing process.

Corrections

We get things wrong sometimes, and when we do we fix them. If you spot an error — a stale figure, a broken assumption, a citation that doesn’t support its claim — please tell us through the Contact page. We review every report, correct confirmed errors at the source, and update the page. Material corrections are reflected in the page’s “Last updated” date.

How often we update

Figures that change on a schedule — IRS contribution limits, tax brackets, prevailing savings and CD rates, CPI — are refreshed as new official data is released. Evergreen explainers (how compounding works, how dollar-cost averaging works) are reviewed periodically and updated when the underlying guidance changes.

Educational, not advice

To be unambiguous: SimplyInvest provides educational tools and general information, not financial, investment, tax, or legal advice, and using the site does not create any advisory relationship. Consult a licensed professional before making financial decisions. The full statement is on our Disclaimer page.

Editorial independence

We keep the tools free through advertising and, in the future, affiliate links. Those relationships do not influence which figures our calculators produce, which sources we cite, or the conclusions of our content. We do not let an advertiser or affiliate partner shape editorial coverage, and we never place an ad inside a calculator’s answer. How advertising data is handled is described in our Privacy Policy.

Who writes this

Articles and tools are published under the SimplyInvest brand rather than under individual personal bylines. We’d rather be transparent about that than attach a name we can’t stand behind. Our credibility comes from the sources we link and the methods on this page — not from claimed personal credentials.

Contact

Questions about how we work, or a correction to report? Reach us through the Contact page.