Terms of use

Last updated October 17, 2026

Use of the site

You may use the tools for lawful personal planning and education. Do not disrupt the website or compromise other users.

No professional advice

Calculators and articles provide general information and estimates. Verify results and obtain qualified advice where appropriate.

Availability and accuracy

We try to keep the site useful, but tools may contain errors or become unavailable. No result, saving, outcome or return is guaranteed.

Third-party links and downloads

External services control their own terms. Templates are for personal planning unless a file states otherwise and should be checked before use.