Terms of use

Last updated: July 18, 2026

Educational tools, not advice

Every calculator on this site is provided for education and planning. Nothing here is financial, legal, tax, or investment advice, and no professional relationship is created by using the site. Decisions with real financial stakes deserve a qualified professional who knows your full situation.

Accuracy

We implement published formulas, cite our sources, and cover the math with automated tests - but rates, tax rules, and dollar limits change, and models simplify reality. The site and its tools are provided "as is" without warranties of any kind. Verify important numbers against the cited primary source before acting on them.

Acceptable use

You may use the tools freely for personal or professional work, including sharing results. You may not scrape the site at abusive volume, misrepresent our results as guarantees, or republish substantial portions of page content without permission.

Limitation of liability

To the fullest extent permitted by law, we are not liable for any loss arising from use of the site or reliance on its outputs. Your sole remedy for dissatisfaction is to stop using the site.

Changes

We may update these terms; the date above reflects the latest revision. Continued use after changes means acceptance. Questions?Contact us.