Terms of use

You may use the calculators and content for personal or internal business planning, free of charge. You may not scrape the site at a scale that degrades service for others, republish substantial portions of the content as your own, or misrepresent the results as professional advice from us.

All results are estimates based on the values and assumptions you enter. They are not offers, quotes, appraisals, tax determinations or guarantees. The disclaimer forms part of these terms.

Using this site does not create an advisory, fiduciary, agency or client relationship. We are not a lender, broker, adviser, tax professional or contractor, and we do not provide personalised advice.

We may change, suspend or remove any part of the site, including individual calculators, at any time and without notice. We do not guarantee uninterrupted or error-free operation.

To the fullest extent permitted by law, we are not liable for any direct, indirect, incidental or consequential loss arising from your use of, or reliance on, this site — including material ordered, financial commitments made, or decisions taken based on a calculated estimate.

The site design, written content and calculator implementations are owned by HomeCalc USA. Standard mathematical formulas themselves are, of course, not owned by anyone.

Questions about these terms can be sent via the contact page.