HarborsCalculators

Editorial Policy

What you can expect from the writing on HarborsCalculators, and what happens when we get something wrong.

Last updated: September 2026

Who writes and who reviews

Usman Ali writes every page and reviews every page: read the primary source, build the calculator, test it, and say plainly where the limits are. Responsibility for anything published rests with him.

How AI is used

AI assists with drafting. It does not decide what is true. Every fact, threshold and figure that reaches a page is checked twice before it goes live: once against the source that sets it, and once against what the calculator on that page actually returns. A worked example is never typed from memory; it is produced by running the tool and copying the result.

That check has caught real mistakes. Hand arithmetic in a draft gave a car payment of $533.58 when the calculator returned $533.59, and a mortgage interest total was a dozen cents out. Both were wrong before publishing and right after.

Sourcing

Primary sources only. Where a page states a rule, a threshold or an official practice, it links to the body that sets it, not to another site describing it. Every link is opened and read before it is cited, and checked again at review.

If a claim cannot be sourced, it does not get published. That rule has cost us sentences we liked. A line about women carrying more body fat than men at the same BMI came out of the BMI page because no CDC, NIH or WHO page we could find states it in those terms; what replaced it is what those bodies do say, quoted directly.

Corrections

A wrong number is urgent. Send the page, your exact inputs and the figure you expected, and once it is confirmed the fix is made and republished, with the page's last updated date changed to match. If an error was big enough to have misled someone, the page says what changed instead of quietly swapping the text. The contact page explains what to send and where things stand while email is being set up.

Review schedule

Pages are reviewed when their subject changes rather than on a fixed calendar, because a formula does not go stale but a threshold does. Anything resting on a rate, a limit or a rule is checked at least once a year, and every page shows when it was last updated so you can judge for yourself.

Independence from advertising

Advertising keeps the site free, and that is the whole of its role. It has no say in what gets built, what a page says, or what a calculator returns. We do not run paid links, sponsored posts or affiliate placements, and we do not accept payment for favourable coverage. Ads sit in marked slots away from the results so they cannot be mistaken for part of a calculator.

Money and health pages

These get stricter treatment, because a reader can act on them in a way that costs real money or affects their health. On those pages we quote the authority rather than paraphrasing it, put the disclaimer above the content instead of burying it at the bottom, and make no claim about what you should do.

Wording matters there too. The CDC's healthy BMI band is "18.5 to less than 25", not "18.5 to 24.9", so the page says the former even though every chart prints the latter. A BMI of exactly 25.0 is in the next band up, and rounding that away would be a small lie with a real consequence.

Not professional advice

Everything here is general information. It is not financial, legal, tax or medical advice and cannot account for your circumstances. The disclaimer sets that out in full, and the methodology explains how the numbers are produced.