Disclaimer

Educational and informational use only

FinFormulas is an educational website. The calculators, articles, examples, and explanations on this site are provided for informational purposes only. Nothing on FinFormulas constitutes financial, investment, legal, or tax advice, and no content should be interpreted as a recommendation to take any action or follow any specific strategy.

No professional relationship

Using this site does not create a professional, advisory, fiduciary, or client relationship of any kind between you and FinFormulas (or the site creator). You are responsible for how you use the information and tools provided.

Calculator results are estimates

FinFormulas calculators are designed to illustrate financial concepts and produce estimates based on the information you enter and the assumptions described on each page. Results can change materially depending on inputs, rounding, timing, real-world fees, account rules, taxes, and other factors that may not be included in simplified models.

• Outputs are not guaranteed to be accurate for your situation or complete for every rule set.
• Tools may use simplified assumptions and may not reflect every regulation, exception, or product feature.
• Small input differences can lead to large output differences over time (especially with compounding).

Tax information limitations

Any tax-related content on FinFormulas is presented at a high level for educational clarity. Tax rules can change, vary by jurisdiction, and depend on individual circumstances. Calculator outputs and examples may not reflect the most recent law changes, IRS guidance, or the details of any specific filing situation.

For tax decisions and filing questions, rely on official government resources and qualified tax professionals.

Accuracy, completeness, and updates

We aim to keep content clear, consistent, and educationally accurate, but FinFormulas does not warrant that any information on the site is error-free, complete, or current at all times. Content may be updated, corrected, or removed without notice.

Use at your own risk

Your use of FinFormulas is at your own risk. All content and tools are provided on an “as is” and “as available” basis, without warranties of any kind, whether express or implied. This includes (without limitation) implied warranties of merchantability, fitness for a particular purpose, and non-infringement.

Limitation of liability

To the fullest extent permitted by law, FinFormulas and its creator are not liable for any direct, indirect, incidental, consequential, special, exemplary, or punitive damages arising out of or related to your access to, use of, or reliance on the site, including calculators, content, and any resulting decisions or outcomes.

This limitation applies whether the claim is based in contract, tort, negligence, strict liability, or any other legal theory, even if we have been advised of the possibility of such damages.

Third-party links and services

FinFormulas may link to third-party websites or reference third-party tools and services for convenience. These links do not imply endorsement. We do not control third-party content, availability, accessibility, pricing, security, or privacy practices, and we are not responsible for any loss or harm arising from third-party sites or services.

Advertising and affiliate relationships

FinFormulas may display advertisements and may participate in affiliate programs. If you click certain links and make a purchase, FinFormulas may earn a commission at no additional cost to you. These relationships help support the site and keep tools available without paywalls. For more details, see Affiliate Disclosure.

Jurisdiction and local differences

Financial rules, taxes, consumer protections, and product terms vary by location. Information on this site may be framed using common U.S. concepts and may not apply in other jurisdictions. You are responsible for confirming how any concept applies where you live and under the rules that apply to you.

Contact policy

FinFormulas does not provide individualized support, personalized recommendations, or direct advice through user communication channels.

Disclaimer reviewed for scope, liability boundaries, and clear explanation of calculator assumptions and limitations. Last review: December 2025.