Financial Disclaimer

Educational Purpose Only

All calculators and information on FinanceCalc are provided strictly for educational and informational purposes. They are NOT intended to:

• Serve as financial, investment, tax, or legal advice
• Replace consultation with qualified professionals
• Guarantee any specific financial outcome
• Be used as the sole basis for financial decisions

No Professional Relationship

Use of this website and its calculators does not create a client-advisor, fiduciary, or professional relationship of any kind. We are not:

• Licensed financial advisors or planners
• Certified public accountants
• Attorneys or legal advisors
• Insurance agents or brokers
• Investment advisors

Accuracy and Reliability

While we make every effort to ensure accuracy:

• Calculator results are estimates and approximations
• Actual results may differ significantly from estimates
• Calculations may not account for all variables
• Tax laws, rates, and regulations change frequently
• Individual circumstances vary and affect outcomes
• We cannot guarantee error-free calculations

Consult Qualified Professionals

Before making any financial decision, you should consult with:

• Financial Advisors: For investment and retirement planning
• Tax Professionals: For tax planning and preparation
• Attorneys: For legal and estate planning matters
• Mortgage Brokers: For home loan decisions
• Insurance Agents: For insurance coverage needs

These professionals can provide personalized advice based on your specific situation, goals, and risk tolerance.

Market Risk and Volatility

Investment calculators use historical averages and assumptions that may not reflect future performance. Remember:

• Past performance does not guarantee future results
• Markets can be volatile and unpredictable
• All investments carry risk, including loss of principal
• Returns can vary significantly from projections

Tax Implications

Tax calculators provide general estimates only. Actual tax liability depends on:

• Current federal, state, and local tax laws
• Your specific tax situation and deductions
• Filing status and dependents
• Changes in tax legislation
• Special circumstances and elections

Always consult a qualified tax professional for accurate tax advice.

No Warranties

We provide these calculators "as is" without any warranties, express or implied, including but not limited to warranties of merchantability, fitness for a particular purpose, or non-infringement.

Limitation of Liability

FinanceCalc, its operators, and contributors shall not be liable for any losses, damages, or expenses arising from:

• Use or reliance on calculator results
• Financial decisions based on our tools
• Errors, omissions, or inaccuracies in calculations
• Changes in laws, rates, or market conditions
• Any consequential or indirect damages