How we publish finance education

What we publish

We focus on mortgage planning, rent-versus-buy decisions, debt payoff, refinancing, savings goals, compound growth, emergency funds, and household budgeting. A page should help a user compare scenarios or understand a financial tradeoff.

Content standards

Guides should include plain-English assumptions, worked examples when helpful, common mistakes, relevant calculator links, and a clear distinction between education and personal advice. Thin pages, keyword-only pages, and pages without practical interpretation do not meet the site standard.

Formula checks

Calculator formulas are checked against standard finance math, source code behavior, and the visible worked examples on the page. When a formula is simplified, the page should say what is included, what is excluded, and which inputs are assumptions.

• Mortgage and refinance formulas are checked against amortization logic.
• Savings and compound-growth formulas are checked against future-value contribution math.
• Debt payoff formulas are checked for payoff order, monthly interest, minimum payments, and total interest behavior.
• Budget and rent-versus-buy tools are checked for clear assumptions because they are diagnostic models rather than quotes.

Advertising separation

Advertising may help support free access to utility.finance, but ads do not determine calculator formulas, editorial conclusions, examples, or policy language. Ads should not appear inside calculator controls, result cards, amortization tables, or near action buttons.

Calculator controls and results are designed to remain separate from advertising surfaces. Editorial pages should not ask users to click ads, and advertising status should not be discussed in public finance guidance.

Updates and corrections

We update pages when examples need expansion, calculator assumptions change, a reader reports a meaningful issue, or a page needs clearer limitations. Correction requests can be sent to utilityfinance.support@digitalrichkid.com.

Correction reports are reviewed by checking the affected page, the related calculator, the formula explanation, and any linked guide or scenario. If the issue changes the meaning of an estimate, the page copy or calculator defaults are updated and the visible last-updated date may change.

Routine updates focus on stale assumptions, unclear labels, broken links, unsupported claims, and examples that no longer match calculator behavior. We avoid adding market-rate claims unless they can be supported and dated.