About Money Guidance

Independent personal finance education, funded by advertising rather than by selling you products.

Money Guidance is an independent personal finance site. It publishes 23 guides and 8 calculators covering the decisions most people actually face: where the money goes, which debt to clear first, how much to keep in reserve, whether to rent or buy, and how much is enough to retire on.

What makes it independent

We sell nothing. Specifically:

No financial products. We are not a bank, broker, insurer or adviser.
No affiliate links. Not to comparison sites, not to brokers, not to anyone.
No lead generation. We do not collect your details and pass them to firms.
No sponsored content. No firm has paid for coverage here.

The site is funded entirely by display advertising served programmatically by Google. We do not choose the advertisers and they have no influence on what we publish.

How we approach the subject

Three principles do most of the work:

Show the arithmetic. Personal finance is mostly a small number of formulas applied honestly. Where a number matters, we show how it is calculated so you can check it.
State the trade-off. Almost no financial decision is simply better. Overpaying a mortgage means less liquidity; a longer loan term means lower payments and more total interest. We name both sides.
Say when it depends. A great deal of financial advice is presented as universal when it is contingent on tax position, jurisdiction, age and risk tolerance. We would rather tell you what it depends on than give you a confident answer that happens to be wrong for you.

A note on jurisdiction

Tax rules, account types, benefit systems and consumer protections differ by country and change regularly. Where we mention specific figures or account names, we say which country they apply to. The principles — compounding, diversification, the cost of interest — are universal; the implementation is not. Always confirm specifics with your own tax authority or a regulated adviser.

What we are not

We are not regulated to give financial advice and we do not give it. We do not know your circumstances, and general information is not a substitute for advice from someone who does. For decisions that are large, irreversible, or involve leaving a guaranteed benefit behind, speak to a regulated adviser. Our disclaimer sets this out fully.

If money is causing you serious difficulty, free debt advice charities exist in most countries and will negotiate with creditors on your behalf, often freezing interest. Contacting one early is materially better than waiting.

Accuracy and corrections

Guides are researched from primary sources — regulators, tax authorities, official statistics and peer-reviewed research. Every page carries a last-reviewed date, and we revisit pages when rules change. We still make mistakes; if you find one, email hello@moneyguidance.site with the page URL and we will correct it. See our editorial policy.

Last updated: September 22, 2026.