Editorial Policy and Corrections

What we publish

CalcLedger publishes free calculators and plain-English guides about mortgages, home equity, loans, debt and saving for people in the United States. Our goal is to show the full cost of a decision, including the numbers that are easy to miss, so readers can walk into a conversation with a lender or advisor already understanding the math.

How we research

Official sources first. Loan limits, program rules, fees and consumer protections are checked against primary sources such as the CFPB, HUD, the Department of Veterans Affairs, the FHFA and the IRS. Each guide lists its sources at the end.
Every number is computed. Examples are calculated in code with the same formulas our calculators use, then checked against the calculators before publishing. You can reproduce any example yourself; see how we calculate.
Rates are illustrative. Interest rates change daily, so examples use clearly labeled illustrative rates, never live quotes.
Automated checks before every update. Every release of the site is run through an HTML validator, link checks and a test suite that compares each calculator with an independent calculation.

How content is written

Guides are researched and drafted with the help of software tools, including AI writing assistants, and are then checked for accuracy: figures are recalculated and rules are verified against their official source. We do not publish fabricated personal stories, testimonials, reviews or credentials.

Independence and advertising

CalcLedger is supported by display advertising from Google AdSense. We do not accept payment from lenders, we do not rank or recommend specific lenders, and advertisers have no influence over what we write. Ads are always visually separate from our content. See our privacy policy for how advertising cookies work.

Keeping pages current

Every guide shows the month it was last updated. We review pages when rules, limits or program details change, and at least once a year. If a change affects the numbers in an example, the example is recalculated.

Corrections

If you believe something is wrong, please tell us with the page and the figure in question. When we confirm an error in a published figure or rule, we fix it, update the page date and record it below.

Date	Page	What changed
2026-09-28	Mortgage closing costs	Corrected the example range on a $280,000 loan to $5,600–$16,800. The upper figure previously read $14,000, which did not match the 6% end of the range.
2026-09-28	How mortgage amortization works	Corrected the first month's principal on the $320,000 example to about $268 (it was previously stated as $280).