About Moniest
Who we are and what we do.
About Us
Moniest is a financial information and comparison website focused on helping people better understand everyday financial decisions.
Many financial decisions involve numbers that can be difficult to work through on your own. Interest rates, loan terms, fees, monthly payments, total repayment, refinancing costs and other factors can all affect the outcome.
Our goal is to make those numbers easier to understand by bringing together practical financial information, calculators and comparisons in one place.
What We Do
Moniest provides financial calculators, comparison resources and educational content covering areas such as mortgages, refinancing, auto loans, borrowing and car ownership costs.
Our calculators are designed to help users explore different scenarios using their own numbers. Our articles provide background information and explain financial concepts, costs and considerations that may be relevant to a particular decision.
Why We Built Moniest
Financial information is widely available, but finding information that is both understandable and useful for a specific situation can be difficult.
A person considering refinancing, for example, may find plenty of information explaining what refinancing is. What they often need next is a way to understand how a different rate, loan term or closing cost could affect their own situation.
Moniest combines explanatory content with calculation and comparison tools so that visitors can move from understanding a financial concept to exploring what it could mean for them.
Our Content
Our content covers topics including:
We aim to explain financial topics in plain language while providing enough detail for readers to understand the important factors involved.
Where calculations are useful, we provide tools that allow users to work with their own figures rather than relying solely on generic examples.
Our Editorial Approach
We aim to make our content:
Clear
Financial terminology can be difficult to follow. We try to explain concepts in straightforward language.
Useful
Content should answer a genuine question or help a reader understand a financial decision.
Transparent
Where calculations involve assumptions or estimates, we aim to make those assumptions clear.
Practical
We use examples, calculations, comparisons and scenarios where they help explain a subject.
Current
Financial products, rates, requirements and regulations can change. We review relevant information and update content when appropriate.
Our Calculators
Calculators are an important part of Moniest.
They are designed to help users estimate things such as payments, potential savings, interest costs, break-even points and other financial outcomes.
The results produced by our calculators are estimates based on the information entered and the assumptions used by the particular calculator. They are not loan offers, approvals, quotes or guarantees.
Actual costs and terms can vary depending on individual circumstances, lenders, financial products and other factors.
Comparisons and Commercial Relationships
Moniest may publish comparisons of financial products, services and providers.
Some of these relationships may be commercial. We may receive compensation through advertising, referral arrangements, sponsored placements or other partnerships.
Where a commercial relationship exists, we aim to provide appropriate disclosure.
Compensation may affect how or where certain products or providers appear on the website, but it does not change the mathematical results produced by our calculators.
Visitors should review the terms, rates, fees and eligibility requirements provided by the relevant provider before making a financial decision.
Our Editorial Independence
Our editorial content is created separately from commercial relationships where appropriate.
We don't believe that financial information should simply tell people what to choose.
Different financial circumstances can lead to different decisions. A refinancing option that makes sense for one borrower may not make sense for another.
Our role is to provide information and tools that can help readers understand the factors involved and make their own decisions.
Who We Serve
Moniest is intended for people in the United States who want to better understand financial decisions involving borrowing, housing, vehicles and related costs.
Our audience includes people researching a potential decision as well as those who are simply trying to understand how a particular financial product or calculation works.
Important Information
Moniest provides general information and financial calculators for educational and informational purposes.
We are not a bank, lender, mortgage broker, financial advisor, investment advisor, credit counselor or insurance provider.
Information on Moniest should not be considered personalized financial, legal, tax or investment advice. Calculator results are estimates and should not be interpreted as an offer, approval or guarantee.
Financial decisions can have significant consequences. Before making a decision, consider reviewing the applicable terms and conditions and, when appropriate, seeking advice from a qualified professional.
Contact Moniest
If you have a question about our website, content, calculators, partnerships or advertising opportunities, we'd be happy to hear from you.