Is this financial advice?
No. Everything on Money Actually is general, educational content: explaining how things like pensions, mortgages, or ISAs actually work, not telling you what to personally do with your money.
Financial advice means someone regulated looks at your specific circumstances and recommends a specific product or action. We don't do that here. For anything genuinely personal to your situation, a regulated financial adviser is the right person to speak to.
How do you make money?
A mix of things: display advertising, affiliate links and referrals on some pages, and products we build ourselves, like the budgeting templates.
The one rule that doesn't bend: nobody pays for a better recommendation, a higher ranking, or a friendlier review. If money changes hands anywhere on a page, it's disclosed clearly, not buried in small print.
Why is this free?
Because the explainers are the core of what we do, and paywalling basic financial literacy felt wrong. Everything here, including the calculators and trackers, is genuinely free: not a trimmed-down version designed to push you toward paying for anything.
Do you sell my data?
No. If you sign up to the newsletter, your email is used to send you the newsletter, that's it. We don't sell or share your details with third parties for marketing.
Full detail lives in our Privacy Notice, once you're ready to read the small print properly.
Are the calculators accurate?
They're built to be accurate for the standard case, using current published rates and formulas: the Stamp Duty Calculator, for example, uses the actual current SDLT, LBTT and LTT bands for England, Scotland and Wales.
That said, every calculator on the site is an estimate, not a formal quote. Unusual circumstances, upcoming rate changes, or specific lender criteria can all change the real number; each calculator says exactly what it doesn't account for, right below the results.
What's "Compare," and why can't I get a quote yet?
Comparing and recommending regulated financial products properly requires FCA authorisation (or, for things like energy and broadband, accreditation from Ofgem or Ofcom), and we don't hold that yet.
The Compare section shows what that'll eventually look like, clearly marked as a preview with no real providers or working links, so nothing there can be mistaken for a live quote.
How do I unsubscribe from the newsletter?
Every issue has an unsubscribe link at the bottom: one click, no login, no "are you sure" guilt trip. We'd rather you leave cleanly than stay annoyed.
Something looks wrong or out of date — what do I do?
Tell us. Figures like tax thresholds and rates change, usually around the tax year or a Budget announcement, and we'd rather fix a mistake than leave it live. Head to the Contact page and let us know what you spotted.