Affiliate disclosure

Last updated: 2026-04-23

The short version

PayCalculator participates in affiliate programs from financial-services companies — primarily credit card issuers, banks offering high-yield savings accounts, tax software vendors, and lenders. When you click a link clearly marked Sponsored and then sign up for or open a product on the partner's site, we may receive a referral fee at no extra cost to you.

Affiliate revenue is what keeps every calculator on this site free with no signup, no paywall, and no ads sold to data brokers. Use of these links is entirely optional.

How offers are selected

We highlight products we believe are competitive against the broader market for the relevant context — for example, on the debt payoff calculator we feature 0% intro APR balance transfer cards because they directly help with the problem the calculator solves. We do not list products purely because they pay the highest commission.

That said, our list is not exhaustive. There are excellent products from companies that do not run affiliate programs (or that we have not yet partnered with) which you will not see on this site. Always cross-reference offers against independent sources like NerdWallet, The Points Guy, Doctor of Credit, or Bankrate before making a decision involving a real credit pull.

How disclosure is presented

• Every affiliate-linked card on the site is marked with a visible Sponsored badge.
• An Advertiser disclosure link sits at the top of every block of sponsored offers, pointing back to this page.
• All affiliate links carry the rel="sponsored nofollow noopener" attribute as recommended by Google's search guidance.
• This disclosure page is linked from the footer of every page on the site.

What does NOT influence our content

• The math. Tax brackets, FICA rates, debt amortization, budget percentages, and CPP/EI are computed from published statutory data. No partner has any input on the calculation engine, ever.
• The state, province, and city pages. These exist to give accurate take-home estimates regardless of whether we have any partner offering products in that geography.
• The framework recommendations. 50/30/20, avalanche vs snowball, etc. — these are based on widely accepted personal finance practice, not commission rates.

Specific affiliate networks we use

PayCalculator works with mainstream affiliate networks including (but not limited to): FlexOffers, CardRatings, Bankrate.com Partner Network, Impact, ShareASale, and direct partner programs operated by individual issuers and banks. The actual mix changes over time.

FTC compliance

This disclosure is provided to comply with the United States Federal Trade Commission's Guides Concerning the Use of Endorsements and Testimonials in Advertising (16 CFR Part 255) and the FTC's .com Disclosures guidance. If you ever feel a sponsored link is not being disclosed clearly enough, please email hello@paycal.co and we will fix it.

Not financial advice

Nothing on PayCalculator constitutes individualized financial, tax, legal, or investment advice. The calculators are tools; the offers are advertisements; the educational content is general in nature. For decisions that materially affect your financial situation, consult a licensed professional.