About Money Clarity

Money Clarity is a personal finance reference site. We explain financial concepts in plain language and provide free interactive tools to help you explore the numbers behind your own decisions.

We publish two kinds of pages:

• Guides — educational explanations of financial concepts and honest comparisons of options.
• Calculators — transparent, interactive tools. Every calculator states its assumptions on the page, and the math behind it is explained in the accompanying guide.

Editorial standards

• Educational, not prescriptive. We explain what options exist and how they work; we do not tell you what to do with your money.
• No fabricated numbers. We do not invent statistics, rates, or figures. When a specific number matters, we say so with context and, where possible, link to a primary source. Example numbers in guides and calculators are labeled as examples.
• Assumptions are visible. Every calculator lists the assumptions it makes (constant returns, monthly contributions, no taxes or inflation, and so on). Treat outputs as planning estimates, not predictions.
• Corrections. If an article contains an error, we correct it and update the "Last updated" date on the page.

How the calculators are built

All calculators run entirely in your browser — nothing you type is sent to any server. The formulas are standard financial mathematics (compound growth, amortization-style debt simulation, effective-rate conversion). Each tool page includes a section explaining its method and its limitations.

How we research and review

• Research first. Before writing, we review how the topic is covered by primary and reputable sources (tax rules, regulatory definitions, published methodology). Where a rule or rate is specific — like PPh 21 brackets or THR rules — the guide names the governing regulation or institution, and example figures are labeled as examples.
• Math is checked. Calculator formulas are verified with worked examples before publishing, and each tool page explains its method and limitations. A bad number in a finance tool is worse than no tool.
• Human review. Every article is read in full before it goes live — checked for errors, misleading phrasing, and claims we cannot support. Corrections are made promptly and the page's "Last updated" date is bumped.
• Bilingual, not machine-translated. Indonesian guides are written for the Indonesian context (Indonesian tax, KPR, THR, payslip conventions) rather than translated from English, then cross-checked against the English version for consistency.
• Editorial independence. We have no affiliate relationships, sell no financial products, and accept no sponsored content. The site is self-funded and independent.

Who we are

Money Clarity is an independent, self-funded project. It is written and edited by one person with no financial-industry affiliations, publishing under the site's editorial byline — "Money Clarity Editorial Team" — so articles carry a consistent, accountable voice tied to the site rather than to an individual's personal name. That byline refers to this editorial operation; it is not a company or a large staff. We are not a financial advisor, a broker, or an investment firm, and we do not sell financial products.

Contact

Questions, corrections, or feedback: see the contact page.

This article is for general educational purposes only and is not personalized financial advice. Consider consulting a licensed financial advisor for guidance specific to your situation.