Who we are, and how we work
Last verified: · Sources: Source Policy
AINext Growth builds finance calculators and banking reference directories that answer one question properly, run entirely in your browser, and show their working.
What we publish
Two things, and nothing else:
- Calculators. Loan payments, personal loan costs and debt payoff timelines. Each one runs locally in your browser, uses standard amortisation mathematics, and publishes the formula it relies on.
- Reference directories. Structured banking information by country and by region — who regulates banks, what deposit protection applies, which institutions operate locally, and what you actually need in order to open an account.
We do not publish investment tips, rate forecasts, product recommendations or anything that requires us to guess what markets will do next.
Who writes this
AINext Growth is written and edited by Mohamed Elnhas, who founded the site and works in financial markets and banking analysis. He built it because most online finance calculators are wrappers around an ad network: slow, gated behind an email form, or quietly running an outdated formula.
Every guide carries his byline and the date it was last reviewed, and the reviews are real — the figures, protection limits, regulator names and formulas on each page are checked against primary sources before publication. We are explicit about the limit of that: he is not a licensed financial adviser, and a byline is not a substitute for regulated advice. If you need advice about your own circumstances, you need a regulated adviser in your jurisdiction.
A note on the name. “AINext Growth” refers to the site, not to a fund, an investment product or a business selling growth services. We publish calculators and reference material. That is the whole of it.
Where our figures come from
This matters more than anything else on this page, so we are specific about it.
| What you see | Where it comes from | How often it changes |
|---|---|---|
| Interest rates used as defaults | Published national averages and central bank reference rates, rounded to a sensible starting point | Reviewed periodically; always editable by you |
| Deposit protection limits | The official deposit guarantee scheme for each country — FDIC and NCUA in the US, FSCS in the UK, CDIC in Canada, and equivalent national schemes elsewhere | Reviewed when a scheme announces a change |
| Banking regulators | Official regulator listings published by national and regional banking authorities | Reviewed when regulatory structures change |
| Banks listed by region | Institutions with a real local presence, identified from regulator registers and institutional disclosures | Reviewed periodically |
| Account opening requirements | Published bank requirements and national identity-document rules | Reviewed when requirements change |
We do not pull rates from affiliate feeds, and we do not accept payment to include an institution in a directory. Where a figure is an approximation, the page says so on the page itself.
Our methodology
Calculators use standard amortisation mathematics — the same approach lenders use to build repayment schedules. For a fixed-rate loan the monthly payment is derived from the principal, the periodic interest rate and the number of periods, and the resulting schedule shows how each payment splits between interest and principal.
Where we display a starting interest rate, it is an indicative average for the selected currency. It is a reasonable default, not a quote, and we encourage you to replace it with your own figure immediately. The calculator is only as good as the number you put in it.
Debt payoff calculators use the same underlying maths but apply payments across multiple balances, so you can compare strategies directly rather than estimating them.
Corrections
We get things wrong sometimes, and reference material goes out of date faster than anything else we publish. A banking rule, a protection limit or a regulator's name can change without much notice.
If you find an error, please tell us and include a source. We will correct the page and note the change. Corrections are not a nuisance to us — for a site like this, they are the main quality-control mechanism we have.
What we are not
We are not a lender, broker, financial adviser, credit broker or investment firm. Nothing on this site constitutes financial, legal or tax advice, and nothing on it is a personal recommendation. We do not hold a licence to give advice in any jurisdiction. Always confirm figures with the institution concerned before you act on them.
How the site is funded
AINext Growth is free to use and always will be. It is funded by unobtrusive display advertising and, on some pages, affiliate links to financial products.
Two commitments follow from that:
- Advertising never influences content. Advertisers do not see pages before publication and cannot request changes. No calculator produces a different result because of an advertiser.
- Affiliate links are disclosed. Where a page contains a link that could earn us a commission, the page says so, clearly and near the link. A commission never changes what we write about an institution or whether we include it at all.
Privacy
Every calculation on this site happens in your browser. The figures you type into a calculator are never transmitted to us or to anyone else — there is no server involved in producing your result. For details on what little we do collect, see our privacy policy.
Contact
Questions, corrections, or a tool you would like us to build? Write to contact@ainextgrowth.com, or use our contact page.
We aim to reply within a few working days.
Start with a calculator
Every tool runs in your browser — no signup, no stored data, nothing sent anywhere.