Terms of use

Educational use only

UseThisCalc provides general educational tools and content. Results are estimates based on the assumptions you enter and the simplified models described in the methodology.

The site does not provide financial, tax, legal, lending, accounting, or investment advice. It does not provide lender quotes or approval decisions, determine eligibility, recommend securities or financial products, or guarantee future costs or returns. Using a calculator does not create a professional advisory relationship.

Your responsibility

Check your inputs and decide whether a calculator fits your question. Independently verify important results using current documents and information from qualified professionals or relevant financial providers before making a financial decision.

Share links, printed documents, PDFs, and CSV exports may reveal your assumptions. You control whether to create, save, or share them and who can access them. UseThisCalc does not review your inputs or provide individual recommendations.

Model limitations

Actual outcomes may differ because rates, taxes, insurance, fees, market performance, inflation, cash-flow timing, and personal circumstances can change or may not be represented by a model. The site does not supply live mortgage or investment rates. Example inputs are illustrations, not recommendations.

Mortgage tools model fixed-rate scenarios rather than lender underwriting or adjustable-rate, FHA, VA, or USDA loans. Investment projections use constant return assumptions rather than forecasts. Tax estimates are simplified and do not calculate the taxes you will owe. Read each calculator's assumptions and limitations.

Availability and accuracy

UseThisCalc is provided free of charge on an “as is” and “as available” basis. Calculators and content may contain errors or omissions, and availability is not guaranteed. We may correct, update, or discontinue tools or content.

To the extent permitted by applicable law, we make no warranties about accuracy, completeness, uninterrupted availability, or suitability for a particular purpose. Estimates are not promises of financial performance.

Limits of responsibility

To the extent permitted by applicable law, UseThisCalc and its operator are not liable for losses arising from reliance on calculator estimates or content, interruptions in access, or your handling of shared links, saved scenarios, or exported files.

Nothing in these terms excludes or limits rights, remedies, warranties, or liability that cannot be excluded or limited under applicable law.

Privacy

The privacy notice describes browser-based calculations, local storage, share URLs, exports, and technical information involved in delivering the site. Review it before saving or sharing information.

Changes to these terms

Updates will be published on this page with a revised effective date. Review the current terms when using the site.