Terms & Disclaimer

Last updated: 2026

Using this site

These calculators are provided free for anyone to use. You're welcome to use them for your own business, for a client, or for personal planning. Please don't attempt to scrape, republish, or resell the tools themselves as your own product.

Estimates, not advice

Every calculator on this site produces a planning estimate based on the numbers you enter. None of them are tax, legal, accounting, financial, or HR advice, and none of them are a substitute for a qualified professional who knows your specific situation and the rules that apply where you are.

Employment law, tax rules, and standard business practices vary by country, state, and industry. Where a calculator lets you edit an assumption, like a tax rate or a policy percentage, that's deliberate: it means you should replace our default with the number that's actually accurate for you rather than assume ours is.

No warranty

We build and test each calculator carefully, but we can't guarantee the tools are error-free or that they'll suit every situation. The calculators are provided "as is," without any warranty of accuracy, completeness, or fitness for a particular purpose.

Limitation of liability

We aren't liable for decisions made using these calculators, or for any loss connected to their use. If a number matters for a legal, tax, or high-stakes financial decision, verify it independently before relying on it.

Changes

We may update these terms as the site changes. Continuing to use the site after an update means you accept the current version.

Questions

If you have questions about these terms, you can reach us through the contact page.