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Terms of Use

Last updated: October 2026

These Terms of Use govern access to the PersonalCalcs website and the use of its calculators and content. By using the site you confirm that you have read and agree to these terms.

1. What the service is

The site offers free calculators and educational content on personal finance, investing, work, business and startups. It is not affiliated with banks, government agencies, employers or any institution mentioned in the simulations, and it does not offer, broker or sell financial products.

2. Results are estimates

Results are estimates calculated from the data you enter and from simplified assumptions described on each page. They may differ from official or contractual figures because of rounding, specific rules, contract terms, tax law or rate changes. Results have no legal value.

3. Not advice

Nothing on the site is investment, financial, accounting, tax or legal advice, or an offer or recommendation to buy or sell any security or financial product. PersonalCalcs is not a bank, broker-dealer or registered investment adviser. Past or projected returns do not guarantee future results.

4. Your responsibility

You are responsible for the accuracy of the data you enter and for checking results with an official source or a qualified professional before making any decision. Decisions based on the simulations are solely yours.

5. Limitation of liability

To the fullest extent permitted by law, the site and its owners are not liable for losses or damages arising from decisions made solely on the basis of the simulations, from incorrect data, from site unavailability or from third-party content. The calculators are provided “as is”, without warranties of any kind.

6. Ads, partners and external links

The site may show ads, labeled as such, and partner or affiliate links that may earn a commission. Third-party offers and content are the responsibility of their owners. See How we make money.

7. Intellectual property

Text, charts, code and layout are protected. You may use the calculators and share links; you may not copy, reproduce or redistribute the site or its calculators without permission.

8. Corrections and changes

If you find an error, write to contato@seudominio.com. These terms may change at any time; the date of the last update is shown at the top of the page.