No advice, no recommendation, no relationship

Everyday Finance Calc is an educational calculator. Using it does not create an adviser–client, broker–client, fiduciary, or professional relationship of any kind. Nothing here is a recommendation to buy, sell, hold, borrow, refinance, lease, insure, or invest in anything. Before acting on any figure you see, consult a qualified professional — a licensed financial adviser, mortgage broker, accountant, actuary, or attorney — who can review your actual circumstances and the actual documents on offer.

Models are simplifications

Every calculator here uses standard, textbook financial mathematics. Real contracts are messier. Among the things these models deliberately simplify or omit:

• Taxes. Income tax, capital gains tax, state and local taxes, the mortgage interest deduction, the standard deduction, phase-outs, the alternative minimum tax, and tax-law changes are ignored unless a calculator explicitly asks for a tax rate — and even then it is applied as a flat, unchanging rate.
• Fees and charges. Origination fees, points, prepayment penalties, escrow shortfalls, servicing charges, bid–ask spreads, trading commissions, surrender charges, and rider costs are only included where a field exists for them.
• Rate behaviour. Returns and interest rates are assumed constant unless a calculator explicitly randomises them. Real markets do not behave that way. Adjustable rates, rate caps and teaser periods are only modelled in the fixed-vs-adjustable calculator, and negative amortisation triggers are not modelled at all.
• Eligibility and legal limits. Contribution caps, income phase-outs, required minimum distributions, plan-specific vesting rules, pension funding status, insurance underwriting, and lender qualification rules vary by jurisdiction, plan, and year, and are not enforced here.
• Default rates and tax tables. Some fields start from recently published market averages (for example the weekly 30-year mortgage survey or Treasury yields) and tax figures for the selected tax year. These are averages, not quotes: the rate you are offered depends on your credit, the lender and the day. The date and source of each default is shown under the field.
• Inflation and longevity. Where inflation or life expectancy is used, it is a single assumed number, not a forecast.
• Rounding and day-count. Payments are computed on exact monthly periods. Lenders may use different day-count conventions, so a real statement can differ by a few cents to a few dollars.

Past performance, future results

Any return, growth rate, or appreciation figure you enter is an assumption you chose, not a prediction. Historical averages do not repeat on schedule. Investments can and do lose value. A projection that ends with a large number is a statement about arithmetic, not about the future.

Accuracy and liability

The formulas are unit-tested against standard references, but the site is provided “as is”, without warranty of any kind, express or implied, including warranties of merchantability, fitness for a particular purpose, accuracy, and non-infringement. To the maximum extent permitted by law, the authors accept no liability for any loss or damage — direct, indirect, incidental, consequential, or otherwise — arising from use of, or reliance on, this site. You are solely responsible for your financial decisions. Verify every figure against the actual paperwork before you sign it.

Your privacy

Last updated: 20 October 2026

All computation happens locally in your web browser using JavaScript. The numbers you type are never transmitted to a server by this application; there is no back end and no database, and nothing you enter is collected or stored by us. The default market rates and tax tables come from a small data file served by this same site and refreshed by a scheduled job on the server — your browser does not contact any third party to get them.

Your most recent inputs may be saved in your browser's own localStorage purely so the page remembers them on your next visit — you can clear that at any time with the Reset button on each calculator or by clearing site data in your browser. That data never leaves your device. Your analytics choice (below) is saved the same way, so we do not have to ask again on every visit.

Who is responsible

This site is run by VIF Innovations, LLC, which is responsible (the “controller”) for the analytics data described below. For any privacy question or request, write to webmaster@everydayfinancecalc.com.

Analytics (Google Analytics)

To see which calculators are useful and improve the site, we use Google Analytics 4. When it is switched on, it records the pages you view, how you arrived (for example from a search engine), scrolling and clicks on links to other sites, your browser, device type, screen size and language, and an approximate location (country and city) that Google works out from your IP address. It does not receive the numbers you enter into the calculators.

This data is not anonymous. Google Analytics stores a random identifier in two cookies, _ga and _ga_34J21HPMM1, which last up to two years and let it recognise a returning browser. Your IP address is sent to Google with every request; Google states that Google Analytics 4 does not log or store it. We do not use Google Analytics' advertising features: the advertising signals are always switched off, and the data is not used for ads, sold, or combined with other information about you. Nothing about you is decided automatically.

Google processes this data for us. For visitors in Europe the provider is Google Ireland Limited; the data may also be processed by Google LLC in the United States. Those transfers rely on Google LLC's certification under the EU–US Data Privacy Framework (and its UK and Swiss extensions) and on the European Commission's Standard Contractual Clauses. We keep the analytics data in Google Analytics for 2 months, after which it is deleted; only aggregated reports (for example, total visits per calculator) remain.

Your choice

In Europe (the EU, EEA, UK and Switzerland), Google Analytics only runs if you agree in the preferences bar: until then Google's script is not loaded at all, nothing is sent to Google and no cookie is set. The legal basis is your consent (Article 6(1)(a) GDPR and the cookie rules of the ePrivacy Directive). Elsewhere it is on by default, and you can switch it off.

Wherever you are, you can change your choice at any time with Analytics preferences, also at the bottom of every page. Switching analytics off stops it immediately and deletes the Google Analytics cookies from your browser; it does not affect what was collected before. We ask again after 6 months, or sooner if this notice changes in a way that needs a new choice.

Your rights

If you are in Europe, you have the right to ask for access to, correction of, or deletion of your personal data, to restrict or object to its use, to receive it in a portable form, and to withdraw consent at any time. Because we never learn who you are, we may only be able to find your analytics data if you tell us the identifier stored in your _ga cookie; deleting that cookie (or switching analytics off) breaks the link to anything already collected. You also have the right to complain to the data protection authority in the country where you live or work.

Advertising

No advertising is shown on this site at the moment; the spaces marked “Advertisement” are empty placeholders and load nothing. If ads are added in the future, visitors in Europe will be asked for their consent first, separately from analytics, and this notice will be updated before that happens.

Jurisdiction

Terminology and default assumptions lean toward United States conventions (for example 401(k) plans, money-factor lease quotes, and semi-annual bond coupons). The underlying mathematics is universal, but the products, tax treatment, and consumer protections in your country will differ.