Disclaimer

Educational Estimates Only

Math of Money calculators provide educational estimates only. Results are approximate and may not reflect your actual costs, taxes, or returns due to variables unique to your situation.

Not Professional Advice

Math of Money does not provide:

• Financial advice — recommendations to buy, sell, or invest in specific products.
• Tax advice — guidance on your personal tax return or strategy.
• Legal advice — interpretation of laws or contracts.
• Investment advice — recommendations on asset allocation or portfolio construction.

Do not rely on Math of Money for any of these decisions.

Consult Licensed Professionals

Before making major financial decisions, consult with licensed professionals:

• Financial Advisor (CFP): for investment and retirement planning.
• Tax Professional (CPA/EA): for tax planning and return accuracy.
• Attorney: for contracts, mortgages, and legal interpretation.
• Lender: for accurate loan rates, terms, and costs.

Verify All Figures

Always verify calculator results against official sources:

• IRS.gov for tax data and limits.
• Your mortgage lender's Loan Estimate for actual costs.
• Your employer's 401(k) plan documents for contribution limits and matching.
• Your state's tax agency for state-specific taxes and deductions.

Accuracy and Limitations

While Math of Money strives for accuracy:

• Calculator results may contain errors or outdated tax information.
• Tax laws change frequently; we update annually but may lag real-time changes.
• Individual circumstances (special deductions, credits, disqualifications) are not modeled.
• Market returns are historical estimates and do not guarantee future results.
• Life events (marriage, children, inheritance) are not automatically accounted for.

No Guarantee of Accuracy

Math of Money does not guarantee that calculator results are accurate, complete, or appropriate for your situation. Use results as a starting point for research and professional consultation, not as a final answer.

Third-Party Data

Math of Money sources data from:

• IRS, SSA, and state agencies (public domain).
• Federal Reserve and Census Bureau (public data).
• Historical market returns (third-party providers).

We do not verify the accuracy of these sources beyond reasonable diligence.

Changes to Calculators

Math of Money may modify or discontinue calculators at any time. Results from previous uses may become inaccurate after updates.

No Endorsement

Math of Money does not endorse any specific financial products, lenders, advisors, or institutions. Calculator results mention specific programs (FHA loans, 401(k) plans) for educational purposes only, not as recommendations.

Questions or Concerns?

If you have questions about a calculator's accuracy or applicability, contact us or consult with a qualified professional.