Terms of Use

Using Toolratio

By using this site, you agree to these terms. Toolratio provides free calculators for general informational purposes, with no sign-up or account required. You're free to use any calculator for personal or business purposes, but you may not copy, scrape, or republish the site's content or code as your own without permission.

Estimates only — not a contract, not advice

Every number a Toolratio calculator produces is an estimate based on the inputs you provide and a standard formula (compound interest, loan amortization, and so on). These results are non-contractual estimates: they don't constitute an offer, a quote, a guarantee, or a binding calculation of any kind, and they don't create any obligation between you and Toolratio or any third party. They also aren't personalized financial, tax, legal, or investment advice — they don't account for your full financial situation, and you should verify anything that matters with a qualified professional before acting on it.

No warranty

Toolratio is provided "as is," without warranty of any kind. While every calculator is built around well-established formulas and tested against hand-calculated examples, we don't guarantee that results will be error-free, complete, or suitable for any particular purpose. Use of any result is at your own risk.

Limitation of liability

To the fullest extent permitted by law, Toolratio and its operator aren't liable for any loss or damage arising from your use of, or reliance on, this site or its calculators — including decisions made based on a calculator's output.

Third-party links and advertising

This site may display third-party advertising (see our Privacy Policy for details) and may link to external sites. We don't control and aren't responsible for the content, accuracy, or practices of third-party sites or advertisers.

Changes to these terms

These terms may be updated from time to time; the "last updated" date above reflects the most recent revision. Continuing to use the site after a change means you accept the updated terms.