Terms of Use
Last updated: April 23, 2026
By using honestcalculator.com ("the site"), you agree to these terms.
Not financial advice
The calculators, explanations, worked examples, and FAQ content on this site are for informational and educational purposes only. They are not financial, tax, legal, or investment advice. We are not your financial advisor, tax preparer, attorney, broker, or fiduciary.
Every calculator produces an estimate based on the inputs you provide and a transparent formula. Real-world outcomes depend on factors we cannot see from a web form — your full financial situation, applicable federal and state tax rules, market conditions, lender discretion, and more.
Before making any decision with financial consequences, consult a qualified professional.
See our full disclaimer for more.
Permitted use
You may use the calculators on this site freely for personal or business purposes. You may not:
- Scrape, republish, or redistribute the calculators, formulas, or content in bulk
- Frame the site inside another site, or embed calculators on another site without our written permission
- Use the site in a way that overloads our servers or degrades the experience for others
- Reverse-engineer calculator logic to misrepresent the tool to others
- Use the content to train machine learning models commercially without a separate license
Quoting short excerpts (a sentence, a formula, a worked example) for commentary, teaching, or journalism is fine without permission, provided you credit honestcalculator.com with a link.
Accuracy and "as is" basis
We implement every formula with care, ship unit tests against reference cases, and publish the formula openly on every page so you can verify the math. That said: the site and its content are provided "as is" without warranties of any kind, express or implied, including warranties of accuracy, merchantability, fitness for a particular purpose, or non-infringement.
Tax rates, loan rules, and other financial parameters change. We update calculators when we learn of changes, but we cannot guarantee that every calculator reflects the current rules for your jurisdiction on the day you visit.
Limitation of liability
To the maximum extent permitted by law, we will not be liable for any direct, indirect, incidental, consequential, or punitive damages arising from your use of this site, including (without limitation) lost profits, missed opportunities, or decisions made based on calculator output. If you rely on a number from this site without verifying it against your actual circumstances and a qualified professional, that risk is yours.
External links and ads
The site displays advertisements (via Google AdSense) and may link to third-party websites. We do not endorse or guarantee the content, products, or services on any third-party site. Your interactions with advertisers or external sites are solely between you and those third parties.
Changes to these terms
We may update these terms from time to time. Material changes will be reflected by updating the "Last updated" date above. Continued use of the site after changes means you accept the updated terms.
Governing law
These terms are governed by the laws of Romania, without regard to its conflict-of-law rules. Any dispute arising from these terms or your use of the site will be resolved in the courts of Bucharest, Romania.
Contact
Questions about these terms? Email contact@teodorlutoiu.com.