Data Sources & References

1. We Are Not A Regulated Financial Entity

MoneyFlowPlan is an independently operated educational website. We are not a bank, broker, lender, financial advisor, or registered financial institution in any jurisdiction. We are not authorised or regulated by the FCA, CFPB, ASIC, FCAC, or any equivalent body, and we do not need to be: we do not offer, sell, or recommend specific financial products.

2. Public Reference Data

The default interest rates and benchmark figures shown in our calculators are derived from publicly available publications by the following bodies. These are reference values for educational illustration only — not quotes, offers, or guarantees of any rate you would actually obtain from a lender or institution.

• United States: Federal Reserve published benchmark rates.
• United Kingdom: Bank of England base rate.
• Australia: Reserve Bank of Australia cash rate target.
• Canada: Bank of Canada policy rate.

MoneyFlowPlan is not affiliated with, endorsed by, or sponsored by any of these institutions. Their names are used purely to identify the public source of the underlying figures.

3. Calculation Formulas

The math used by our calculators (standard amortization, compound interest, present / future value) is publicly documented and can be reproduced in any spreadsheet. We do not claim that our specific implementation has been certified, audited, or approved by any regulator.

4. Advertising Disclosure

MoneyFlowPlan is funded by display advertising through Google AdSense. Ads are clearly distinguishable from editorial content. We do not accept paid placements from financial product providers and our calculator outputs are not influenced by advertisers.

5. AI-Assisted Content

Explanatory articles, FAQs, and supporting copy on this site are drafted with AI assistance and reviewed for factual accuracy before publishing. The calculator math itself is hand-coded and tested.