How SmartJib writes about money

Who writes this

Mouad Louhichi — Founder and editor, SmartJib. Mouad Louhichi builds SmartJib and writes its budget guides. The product came out of tracking a Moroccan salary across a bank account, a wallet and cash at home — three places no single app kept separate — so the writing starts from the same problem the software solves: what money is for, and where it actually is. Every figure in a guide is either a worked example with its arithmetic shown, or a product fact that can be checked against the app.

SmartJib is a small, independent product based in Casablanca. There is no sponsored content on this site, no paid product placement, and no affiliate links in the guides. If that changes, the change will be disclosed on the page it affects before it affects it.

How a guide is written

1. Start from a question a budget actually raises, not from a keyword list.
2. Work the arithmetic first: if a page says a savings goal needs a monthly transfer, the division is shown so a reader can redo it with their own numbers.
3. Label every illustrative figure as an example. Household budgets in the guides are examples for a given year, never averages or claims about what people earn.
4. State the limits. A page that recommends a spreadsheet also says where a spreadsheet breaks; a page about choosing an app says when a different app is the better choice.
5. Check product claims against the product. Currencies, plan limits and features are read from the same source the app reads, and a test fails the build when published copy and shipped behaviour disagree.

Sources

Search-volume figures quoted in SmartJib's own planning documents come from a Google Ads Keyword Planner export, and the export is committed with the analysis so the numbers can be re-checked rather than trusted. Rules that change — tax bands, contribution rates, pension ages — belong to the official source, and the guides say so instead of restating them as permanent facts.

How AI is used

AI tools assist with drafting and editing on this site. They do not decide what is published, and nothing is published that the author has not checked against the app or a primary source. Every page carries the same named author and review date as the rest of the site, because the accountability for an assisted paragraph is identical to the accountability for a handwritten one.

Inside the product, the AI features are optional and answer questions about your own budget. They are labelled as such in the app; they do not write this site's guides and they do not receive your bank data, because SmartJib never has it.

Corrections

If something here is wrong, send the page and the sentence through the contact form, which is the same inbox corrections are read from. Factual errors are corrected on the page, and the review date is moved forward so the change is visible. Substantive corrections — a wrong rate, a wrong figure, a claim the product cannot support — are noted in the page itself rather than silently edited.

The financial-advice boundary

SmartJib is a budgeting tool, not financial, tax or investment advice. Calculations are estimates based on the figures you enter; rates, tax rules and prices change. Check anything you act on against your own bank statements and the official source.

The calculators apply arithmetic to the numbers you enter. They do not know your contract, your family, your tax position or your obligations, and an output that looks precise is still an estimate.

Contact and location

SmartJib · Casablanca, Morocco · contact form. Editorial corrections and account questions reach the same inbox.

First published 2026-08-31. Last reviewed 29 October 2026.