FinCalcHub is free to use. We pay for it by running Google AdSense. Here's the full picture — what we earn from, what we don't, and how that affects what you read.
FinCalcHub earns revenue from one source: display advertising served by Google AdSense. That's it. The site does not:
If you see a product, platform, or provider mentioned by name in an article, it's because the article needed to mention it — usually to explain a specific feature of a tax or savings vehicle (e.g. how an ISA differs from a SIPP) or to point at a publicly available data source. There is no financial relationship between FinCalcHub and any product issuer named in the content.
FinCalcHub runs display ads supplied by Google AdSense (client ca-pub-5092336325075679). Ads appear in fixed slots — typically a banner above and below the main content, and occasionally an in-article rectangle on longer guides. We don't allow interstitial ads, pop-ups, video-takeover ads, or any format that interrupts the calculator before you've finished using it.
Google selects which ads to show. The selection is automated and influenced by your browsing history (if you've consented to personalised ads); we have no say in it. We're not paid more for showing one advertiser's ad over another. The article you're reading does not change based on which advertiser is currently bidding on a related keyword.
You can opt out of personalised ads at google.com/settings/ads. You can also reject personalised ads on FinCalcHub itself via the consent banner that appears on your first visit (or by clearing cookies and revisiting). Rejecting personalised ads doesn't remove the ads — it just switches them to contextual (non-personalised) ads. Either way the calculator works the same.
Ad placement on FinCalcHub follows a deliberate pattern. There is a banner ad in the page header, above the H1 — never above the page navigation. There is a second banner at the foot of the page, below the article content. On longer articles there may be a single in-content rectangle, placed after the first major section. Calculators themselves are not interrupted by ads: the input form, the result panel, and the explanatory text immediately around them are ad-free.
Ads load lazily, which means they only request the underlying AdSense JavaScript when an ad slot is about to scroll into view. That keeps page-load times fast and means the calculator is responsive before any third-party script has reached the page. Cookies tied to personalised advertising are only set after you've given consent via the cookie banner — until then, the AdSense slots run in non-personalised mode.
At present, FinCalcHub does not use affiliate links. There are no affiliate links anywhere on the site as of the date at the foot of this page. If we ever do introduce them — for example, recommending a high-interest savings account, a low-cost investment platform, or a specific mortgage broker — every affiliate link will:
rel="sponsored" attribute as required by Google's webmaster guidelines.The honest answer is that affiliate fees would compromise editorial independence — and on a calculator site, editorial independence is the whole product. Once you accept a £75 commission for every reader who opens a savings account with Bank A, the temptation to nudge the calculator's defaults towards Bank A's headline rate is non-trivial. Even if you resist that temptation, the reader has no way of knowing you've resisted it. The simplest answer is to not accept the commission in the first place.
The cost of that decision is real. A comparable personal-finance site running affiliate partnerships with the major UK savings platforms and brokerage accounts would earn somewhere between five and twenty times what FinCalcHub earns from display ads alone, for the same traffic. The decision to walk away from that revenue is deliberate. Display ads are commodity inventory — Google's algorithm pays the same per impression whether the article is about a 401(k) or a TFSA, so there's no incentive for the writer to steer the reader towards the topic that pays best.
If FinCalcHub ever does introduce affiliate links, it will be for a narrow set of products that pass three tests: the author personally uses or has used the product; the affiliate payment is identical across all materially similar products in that category (so there's no incentive to steer); and the link can be clearly disclosed on the article and on this page. Until those conditions exist for a product worth recommending, the site stays on display ads only.
We don't currently publish sponsored articles, paid reviews, or "advertorial" content. If we did, it would be labelled "Sponsored" in the page title and at the top of the body, listed on this page with the sponsor's name and the date of publication, and the byline would name both the sponsor and the writer.
Sponsored content, if it ever appears on FinCalcHub, will never replace, displace, or sit alongside calculator output. The calculators on this site are non-commercial spaces: the formula, the inputs, the defaults, and the explanatory text around them are written and maintained independently of any commercial relationship the site might have.
The site's author, James Blanckenberg, has the following financial holdings and relationships that are worth disclosing:
None of the products mentioned above are referenced by name in any calculator or article on FinCalcHub. The articles that discuss ISAs, SIPPs, RAs, or 401(k)s describe the product type, not the provider. If any of the above ever changes — a consulting brief, an equity stake in a fintech, a paid contribution to another publication — it will be disclosed on this page within seven days, and any article touching the affected topic will carry a visible disclosure at the top of the page.
FinCalcHub may, at some future point, introduce affiliate or sponsored content. If it does, the rules above are the ones we'll work to. In summary: every commercial relationship will be disclosed on this page with the partner's name, the type of payment, the date the relationship began, and which articles or calculators it touches. Every affected article will carry a visible disclosure at the top of the page. The disclosure will sit above the H1, not buried in a footer or terms page. The schema for affected articles will be updated to reflect the relationship.
The editorial-side rules don't change. Even with affiliate or sponsored content active, the calculators stay non-commercial spaces — formula, inputs, defaults, and explanation are not adjustable by any commercial partner. The corrections process stays the same. The annual deep review stays the same. What changes is the funding model and the disclosures that come with it; what stays the same is the math and the source hierarchy in the editorial policy.
Our advertising and any future affiliate relationships have no influence on what we cover, how we explain a topic, or how we rank options. Calculators run the actual formula whether or not an advertiser is currently bidding on a related keyword.
The fastest way to see how we work is the editorial policy — it details our sourcing, review, and correction process.
This disclosure is published in line with:
If you have a question about how FinCalcHub makes money, the relationship between an article and any product it mentions, or how the site handles a specific recommendation, email [email protected]. Every disclosure-related email gets a personal reply within 48 hours.
Complaints — about an ad that shouldn't have appeared, content that seems to favour a specific provider, or anything else that looks like a conflict — are handled the same way as editorial corrections (see the editorial policy). We acknowledge within 24 hours, investigate against the primary sources, and respond with either a correction, an explanation, or both. If you're not satisfied with the response, the UK route of last resort is the Advertising Standards Authority (ASA) at asa.org.uk; the US equivalent is the Federal Trade Commission at ftc.gov; the SA equivalent is the Advertising Regulatory Board at arb.org.za.
Questions about how we make money or any specific recommendation: [email protected].
Disclosure last reviewed: 19 May 2026.