Affiliate Disclosure

1. Who We Are

PayCalcHub ("we," "us," or "our") operates the website located at paycalchub.com. We provide free financial calculators and educational content for US workers, job seekers, and homebuyers. This page explains how we may earn money through affiliate partnerships, in compliance with the Federal Trade Commission's (FTC) guidelines on endorsements and testimonials.

2. What Is an Affiliate Link? Disclosed

An affiliate link is a special tracking link to a third-party company's website. If you click that link and then sign up for, purchase, or use that company's product or service, we may receive a commission or referral fee. This is sometimes called "affiliate marketing" or "performance marketing."

3. What Kinds of Links Are Affiliate Links?

On PayCalcHub, affiliate links may appear in our blog articles and calculator pages, typically pointing to financial products and services related to the topic at hand — for example:

• Tax preparation software (e.g., FreeTaxUSA, TurboTax, TaxAct)
• High-yield savings accounts and banking products
• Budgeting, investing, or personal finance tools
• Other financial products relevant to salary, mortgage, or debt content

We participate in affiliate programs through networks such as CJ Affiliate (formerly Commission Junction) and may add others over time. This page will be updated to reflect any material changes in our affiliate relationships.

4. How This Affects (and Doesn't Affect) Our Content

Our calculators use published federal and state tax rates, standard formulas, and public data. No affiliate relationship ever changes a number our calculators produce. Tax brackets, take-home pay estimates, mortgage amortization, and every other calculation are based solely on the inputs you provide and publicly available rate tables — regardless of whether a page also contains affiliate links.

We only recommend products we believe are genuinely useful to our readers based on the topic of the page. Earning a commission is never the sole reason a product is mentioned, and the presence or absence of a commission does not determine our calculator results or core educational content.

5. How Affiliate Links Are Marked

In line with FTC requirements, affiliate links on PayCalcHub are identified through one or more of the following:

• A nearby text disclosure (e.g., "we may earn a commission from this link")
• This standalone Affiliate Disclosure page, linked in our site footer
• Context within the surrounding article making clear that a product or service is being recommended

6. Advertising vs. Affiliate Links

Affiliate links are separate from the display advertising shown on PayCalcHub through Google AdSense. AdSense ads are served and managed entirely by Google and are not affiliate links — see our Privacy Policy for details on advertising and cookies. Affiliate links, by contrast, are links we choose to include within our own content, pointing to specific third-party products.

7. Your Choices

You are never required to use an affiliate link to access any calculator or content on PayCalcHub. All of our tools remain fully free and functional whether or not you click any affiliate link. If you would prefer not to use an affiliate link, you can navigate directly to the third-party company's website instead.

8. Changes to This Disclosure

We may update this Affiliate Disclosure from time to time as our affiliate relationships change. When we make material changes, we will update the "Last updated" date at the top of this page. We encourage you to review this page periodically.

9. Contact Us

If you have questions about our affiliate relationships or this disclosure, please reach out:

• Email: hello@paycalchub.com
• Contact form: paycalchub.com/contact/