Our Methodology: How Dinero Claro Researches Money Advice
Every calculator, guide and AI answer on Dinero Claro follows the same research process. This page explains how we source data, who reviews the content, how often we update it, and the limits of what a personal finance app can responsibly tell you.
Ver en español1. Where our numbers come from
Rates, thresholds and tax figures come from primary public sources: the Consumer Financial Protection Bureau, the Federal Reserve (H.15 and G.19 releases), the IRS, the Bureau of Labor Statistics Consumer Expenditure Survey, and FICO / VantageScore published scoring factors. We link to the source whenever a specific figure is cited. We never quote a number we cannot trace to a public document.
2. How a guide gets written
A topic is chosen from real user questions and search demand, drafted by the Dinero Claro editorial team, checked line by line against the primary sources above, then reviewed for clarity in both English and Spanish by native speakers. Spanish articles are written in Spanish — never machine-translated from English. Math in every calculator is unit-tested against worked examples before release.
3. How often we update
Rate-sensitive content (credit cards, savings yields, loan payoff math) is reviewed quarterly. Tax-year content is reviewed each January. Everything else is reviewed at least annually. When a page changes materially we update its published date and note what changed; we do not refresh dates cosmetically to look newer to search engines.
4. Financial disclaimer
Dinero Claro is an educational budgeting tool, not a registered investment adviser, broker-dealer, tax preparer, credit repair organization or law firm. Nothing on this site — including AI-generated answers — is personalized financial, tax or legal advice. The AI advisor produces suggestions from the data you enter and can be wrong. Verify important decisions with a licensed professional (CFP, CPA or attorney) before acting.
5. Who writes this
Dinero Claro is an independent, bootstrapped project. Content is produced by the Dinero Claro Editorial Team — bilingual writers and engineers who build the product and live the same financial realities as our readers: immigrant households, 1099 and gig income, cash budgets and remittances. We publish under the team name rather than invented personas, and we do not publish fabricated testimonials, user counts or ratings.
Editorial independence
Advertising and affiliate revenue never determines what we recommend. Advertisers cannot review content before publication, cannot request changes, and cannot buy placement inside a guide. When a link earns us a commission we label it. Product comparisons rank on features and price we can independently verify — including cases where a competitor is the better choice.
Corrections
Found an error? Email contact@dineroclaro.app. We fix confirmed factual errors within 48 hours and add a dated correction note at the bottom of the affected page.