Editorial Integrity

LoonieCalc is an anonymous-brand publication. There is no named author, no on-camera personality, and no founder profile across the site. That is a deliberate choice for a Canadian financial calculator utility — the math we reproduce is not improved by attaching a face to it, and inventing one would mislead readers about who is responsible for the site. In place of personal authority, we substitute source authority and process transparency. This page documents both.

Who is behind LoonieCalc

LoonieCalc is operated by MOST AI Labs Inc., a private corporation incorporated under the British Columbia Business Corporations Act. The company name is public-record; the operating staff are not, by design. All editorial decisions, calculator implementations, and corrections are made under the company's name and are the company's responsibility.

How content is created

Calculator implementations and explanatory text are drafted by the operating team, sometimes with the assistance of large language models used as a writing tool. The first-draft pipeline is consistent across every calculator:

• Read the primary source for the rule (a CRA bulletin, an OSFI guideline, a provincial finance-ministry schedule).
• Implement the formula in TypeScript, then cross-check the implementation against an authoritative reference calculator with at least three test cases.
• Write the explanatory page in plain English, citing each rate, threshold, or formula component to the source URL where it is published.
• Run the automated tone gate (pnpm lint:tone) which blocks publication if any of a curated list of advisory phrases or AdSense-risky absolute claims appears in the file.
• Human review against the primary source before merging the change.

We do not republish content lifted from other sites. Where the explanation of a rule is similar across publishers (because the rule itself is the same), the wording on this site is original; we do not copy phrasing from competitor calculators or from CRA / OSFI / CMHC publications beyond short quotations clearly attributed under fair dealing.

Citation discipline

Every numeric claim on the site links to a primary government or regulatory source. The complete list is the master sources index; each calculator page repeats the specific subset of sources it relies on at the bottom of the page along with the date the data was last verified.

Where a single source is the only publisher of a value (CMHC premium schedules; OSFI B-20 amendments), the page cites that publisher and nothing else. Where multiple sources publish the same value (federal tax brackets, indexed annually by the CRA but reproduced in Department of Finance budget documents and provincial tools), the page cites the regulator's primary publication, not the secondary reproduction.

YMYL discipline

LoonieCalc covers Your-Money-Your-Life topics — tax, mortgages, retirement, benefits — where bad information has real financial consequences. We apply two written rules to keep the site informational rather than advisory:

• Calculators report what the math says, not what to do. An RRSP calculator reports the contribution room implied by the inputs and the CRA formula. It does not say whether to contribute, how much to contribute, or whether RRSPs are appropriate for the reader. The corresponding pattern applies to every calculator on the site.
• No advisory language in any user-facing file. A curated list of advisory phrases — examples include directive "should" constructions, recommendation phrasing, "best choice", appeals to consensus, and flattery of the reader's investing identity — is blocked by the automated tone gate (scripts/lint-tone.mjs in the repository) and cannot ship to production. Disclosures and policy pages state factual disclosures; explanatory sections explain mechanics; nothing on the site purports to give advice.

Conflict of interest and revenue

LoonieCalc is funded by display advertising delivered by Google AdSense (when the AdSense application has been approved and ads are active). AdSense does not allow advertisers to influence which calculators we build or how we explain a rule, and we have not entered into any paid-content, sponsored-post, or affiliate-marketing arrangement that would influence either.

If we add affiliate links in the future — for example, a referral link to a Canadian mortgage broker or a robo-advisor — the affiliate relationship will be disclosed at the point of the link and on the relevant page footer, and affiliate revenue will not influence which calculators are built or what numbers they show. Affiliate disclosures will be added as a section here when the first affiliate link goes live.

We do not accept paid placement of calculators or hub pages. We do not take payment to omit a calculator. We do not run reviews of financial products in exchange for compensation. The only paid placement on the site is the AdSense slot itself, which is clearly labelled as advertising by Google's standard ad-disclosure framework.

Correction policy

When a calculation error, an out-of-date rate, an incorrect citation, or a broken source URL is identified — whether by us, by an automated check, or by a reader email — the correction protocol is:

• Triage within two business days of the report. If the report is verifiable against the primary source, it is accepted; if it is not (for example, the reader has applied the calculator to a scenario it does not model), we reply explaining the scope.
• Fix within seven days of acceptance. The data file is updated, the calculator is regenerated, the affected page is republished, and the page's "Last updated" date is bumped.
• 90-day correction footnote. Material corrections are noted in a footnote at the bottom of the affected page for 90 days from the correction date, so a returning reader can see what changed since their last visit.
• Source-of-record retention. The git history of the repository preserves every prior version of every data file, so the state of the calculator at any past date can be reconstructed.

To report an error, email hello@looniecalc.ca with the page URL, the value or claim you believe is wrong, and a link to the primary source you are referencing. Reports that include a primary source are triaged faster.

What this page does not cover

This page describes how content is made and corrected. The legal contract between the site and you as a reader is in the Terms of Service; the limits of what the calculators are usable for are in the disclaimer; the data we collect about you is in the privacy policy.