Terms of Use

Last updated: May 20, 2026

Financial & YMYL Disclaimer

The calculators, articles, guides, and all other content on savingcalculators.com are provided for general informational and educational purposes only. They do not constitute — and must not be relied upon as — financial advice, investment advice, tax advice, legal advice, accounting advice, or any other form of professional advice.

Estimates only, not guarantees. Calculator outputs are mathematical estimates based solely on the inputs you provide. They do not account for your complete financial picture, individual tax situation, risk tolerance, time horizon, or personal circumstances. Actual results will differ.
No professional relationship. Using this site does not create any attorney-client, accountant-client, investment-adviser-client, or fiduciary relationship. We are not registered investment advisers, certified financial planners, licensed attorneys, or CPAs.
Data currency not guaranteed. Tax brackets, contribution limits, interest rate benchmarks, and similar figures change frequently. We update them on a best-effort basis but cannot guarantee that every value is current. Always verify against primary sources (IRS, FDIC, SSA, DOL) before acting.
Past performance disclaimer. Historical rates, returns, and market data referenced on this site do not guarantee or predict future results.
Results may vary. Your employer, bank, the IRS, or other institutions may calculate figures differently due to rounding rules, plan-specific terms, or factors not captured by our calculators.
Consult a professional. Before making any significant financial, investment, tax, or legal decision, consult a licensed financial adviser, CPA, or attorney who can assess your specific situation.

By using this site you acknowledge that you have read and understood this disclaimer and agree to use all calculator outputs and editorial content for reference purposes only.

1. Agreement

By accessing or using savingcalculators.com (the "Site"), you agree to these Terms of Use. If you do not agree, please do not use the Site.

2. Not financial advice

The Site provides general informational and educational tools. The calculators, articles, FAQs, and other content are not a substitute for professional financial, tax, legal, investment, or accounting advice. Outputs are estimates based on the inputs you provide and the formulas described on each calculator's "How this calculator works" section. Numbers may not match what your bank, employer, the IRS, or any other institution actually computes for you. Always consult a licensed professional before making financial decisions.

3. No fiduciary relationship

Use of the Site does not create an attorney-client, accountant-client, fiduciary, or advisor relationship between you and us. We are not registered investment advisers, certified public accountants, or attorneys.

4. Accuracy

We strive for accuracy. Tax brackets, contribution limits, average rates, and similar inputs change yearly; we update them on a best-effort basis but make no guarantee that every figure on the Site is current. Always verify against primary sources (IRS, FDIC, SSA, DOL, your state Department of Revenue) before relying on a calculator output for a real-money decision.

5. Permitted use

You may use the Site for personal, non-commercial purposes. You may share links to specific pages. You may take screenshots for personal reference.

6. Prohibited use

Scraping the Site at a rate that materially affects performance for other users;
Republishing the calculator code, math, or written content as your own without attribution;
Using the Site to generate output that is then represented as professional financial advice;
Reverse-engineering or interfering with the security features of the Site.

7. Intellectual property

All original content on the Site — including the design, copy, calculator interfaces, and editorial articles — is © 2026 savingcalculators.com unless otherwise noted. Cited primary sources (IRS publications, FDIC documents, etc.) belong to their respective rights-holders. Inline source citations are made under fair use for educational purposes.

8. Third-party advertising

The Site displays advertising served by third parties (primarily Google AdSense). We do not endorse advertised products or services and are not responsible for their content. Click on advertisements at your own discretion.

9. Disclaimer of warranties

THE SITE IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT, OR ACCURACY OF CONTENT.

10. Limitation of liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, IN NO EVENT WILL WE BE LIABLE FOR ANY INDIRECT, INCIDENTAL, CONSEQUENTIAL, SPECIAL, OR PUNITIVE DAMAGES ARISING FROM OR RELATED TO YOUR USE OF THE SITE, EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. OUR TOTAL LIABILITY FOR ANY CLAIM RELATED TO THE SITE WILL NOT EXCEED ONE HUNDRED U.S. DOLLARS ($100).

11. Indemnification

You agree to indemnify and hold us harmless from any claim, demand, loss, or expense (including reasonable legal fees) arising from your misuse of the Site or your violation of these Terms.

12. Governing law

These Terms are governed by the laws of the State of Delaware, United States, without regard to its conflict-of-laws provisions. Any dispute will be brought exclusively in the state or federal courts located there.

13. Severability

If any provision of these Terms is held to be invalid or unenforceable, the remaining provisions will remain in full force and effect.

14. Changes

We may update these Terms from time to time. The "Last updated" date at the top reflects the most recent revision. Continued use of the Site after a material change constitutes acceptance of the revised Terms.

15. Contact

Questions about these Terms: hello@savingcalculators.com.