Disclaimer

General Information Only

FinTools provides financial calculators and educational content designed to help users better understand financial concepts. All information on this website:

• Is provided for informational and educational purposes only
• Does not constitute professional financial, legal, or tax advice
• Should not be relied upon as the basis for making financial decisions
• May not reflect your specific financial situation or needs

Calculator Accuracy

While we strive to ensure our calculators provide accurate results:

• Estimates Only: All calculator results are estimates based on the information you provide and should be treated as approximations
• Simplified Calculations: Our calculators use standard formulas that may not account for all variables affecting your specific situation
• No Guarantee: We do not warrant or guarantee the accuracy, completeness, or reliability of any calculations
• Changing Regulations: Tax laws, interest rates, and financial regulations change frequently and may not be immediately reflected

Not Financial Advice

FinTools is not a licensed financial advisor, investment advisor, tax preparer, attorney, or other financial professional. Our team includes:

• Certified Public Accountants (CPAs) who verify our tax-related formulas
• Chartered Financial Analysts (CFAs) who review investment calculations
• Certified Financial Planners (CFPs) who contribute to retirement tools

However, the content on this site does not constitute individualized advice for your specific circumstances. You should consult with qualified professionals before making any financial, tax, or legal decisions.

Investment Risks

If you use any of our investment-related calculators, please understand:

• Past performance is not indicative of future results
• All investments carry risk, including potential loss of principal
• Projected returns are hypothetical and may not account for fees, taxes, or inflation
• Market conditions can change rapidly and unpredictably
• Diversification does not guarantee profit or protect against loss

Tax Calculations

Our tax calculators provide estimates based on standard tax brackets and deductions:

• Federal and state tax laws vary and change annually
• Individual circumstances (credits, deductions, filing status) significantly impact actual tax liability
• Results should not be used for tax filing or planning without professional verification
• Always consult a licensed CPA or tax professional for tax advice

Third-Party Links and Content

Our website may contain links to third-party websites, resources, or content. We do not endorse, control, or assume responsibility for any third-party content or websites. These links are provided for convenience only, and you access them at your own risk.

Limitation of Liability

Under no circumstances shall FinTools, its owners, employees, or contributors be liable for any direct, indirect, incidental, special, consequential, or punitive damages arising from your use of our website or calculators. This includes, without limitation, damages for loss of profits, goodwill, data, or other intangible losses resulting from your use or inability to use our services.

Your Responsibility

By using FinTools, you acknowledge and agree that:

• You are solely responsible for verifying all calculator results
• You will seek professional advice for important financial decisions
• You understand the inherent limitations of online financial calculators
• You will not hold FinTools liable for any financial outcomes