Terms of Service

01 Acceptance of terms

By accessing or using CompoundInterestCalc.cc (the "Service"), you agree to be bound by these Terms of Service. If you do not agree with any part of these terms, please do not use the Service. These terms apply to all visitors and users of the website.

02 What we provide

The Service is a free, browser-based collection of financial calculators covering a range of everyday money topics — including compound interest, investing, mortgages and home affordability, loans and debt payoff, savings goals, retirement, dividends, and interest-rate conversions. Each tool produces estimates based on the inputs you provide, such as amounts, rates, terms, and time horizons.

All calculations run in your own browser. We do not require you to create an account, and you do not need to submit any personal financial information to us to use any of the calculators. The tools, their assumptions, and the topics covered may change, expand, or be removed at any time without notice.

03 Not financial advice

Every calculator and all content on the Service is provided for general educational and informational purposes only. It does not constitute, and must not be relied upon as, financial, investment, mortgage, lending, tax, accounting, or legal advice, nor a recommendation or solicitation to buy, sell, borrow, or hold anything.

• The figures produced are estimates and illustrations, not guarantees, quotes, or offers of any actual outcome, rate, payment, or approval.
• Calculations rely on simplifying assumptions (such as constant rates); real markets, lenders, and tax rules vary and change over time.
• We do not account for fees, closing costs, insurance, trading costs, currency effects, changing rates, or your individual circumstances and tax situation.
• A lender's, broker's, or institution's official figures will differ from ours and always take precedence.
• Past performance is not indicative of future results.

You should consult a qualified, licensed professional (such as a financial adviser, mortgage broker, accountant, or attorney) before making any financial decision. You are solely responsible for any decision you make, and you should independently verify any result that matters to you.

04 Acceptable use

You agree to use the Service only for lawful purposes. You may not:

• Attempt to disrupt, overload, or impair the operation of the website;
• Use automated systems to scrape or republish the Service in a way that competes with or misrepresents it;
• Reverse-engineer the Service to harm it or its users;
• Use the Service to mislead others by presenting its estimates as guaranteed returns, quotes, approvals, or professional advice.

You are welcome to share links to the Service and to reference its results, provided you make clear they are illustrative estimates.

05 Intellectual property

The name, design, layout, text, and original code of CompoundInterestCalc.cc are owned by us or our licensors and are protected by applicable intellectual-property laws. You may use the Service for your personal, non-commercial benefit. You may not copy, reproduce, or redistribute substantial portions of the site's content or branding without our permission.

06 No warranty

The Service is provided "as is" and "as available," without warranties of any kind, whether express or implied. We do not warrant that the Service will be uninterrupted, error-free, or that the calculations will be accurate, complete, or suitable for your particular circumstances. While we strive for accuracy, mathematical or display errors may occur, and you should verify anything important independently.

07 Limitation of liability

To the fullest extent permitted by law, CompoundInterestCalc.cc and its operators, owners, and contributors shall not be liable for any direct, indirect, incidental, consequential, special, or punitive damages — including, without limitation, financial or investment losses, lost profits, missed opportunities, borrowing costs, tax consequences, or any decision made or not made — arising out of or in connection with your use of, reliance on, or inability to use the Service or any of its calculators or content, even if we have been advised of the possibility of such damages. Your sole and exclusive remedy for dissatisfaction with the Service is to stop using it.

08 Assumption of risk

CompoundInterestCalc.cc is an informational and educational tool only. By using it, you acknowledge and agree that you use it entirely at your own risk and that you alone are responsible for any decisions or actions you take based on it or its outputs.

• We accept no responsibility or liability whatsoever for any investment, borrowing, purchase, tax, or other financial decision made in reliance on the Service or its outputs.
• Investing and borrowing carry risk, including the partial or total loss of your capital and the cost of taking on debt. Values and rates can go down as well as up, and you may get back less than you invested or owe more than you expected.
• The estimates are hypothetical, rely on simplifying assumptions, and will not match real-world results, which depend on markets, lenders, tax authorities, and other factors outside our control.
• Nothing on this site is a recommendation, quote, offer, or approval to buy, sell, hold, borrow, refinance, or otherwise transact in any security, fund, loan, property, or financial product.

If you do not accept full responsibility for your own decisions and their outcomes, you should not use the Service.

09 Third-party services

The Service loads certain resources (such as web fonts and a small interface library) from third-party content-delivery networks to function. Your use of those resources may be subject to the third parties' own terms and policies. We are not responsible for the content, policies, or availability of third-party services.

10 Advertising & affiliate links

The Service may be supported by advertising and affiliate arrangements, which help keep the core calculator free to use. By using the Service, you acknowledge and agree to the following:

• Advertising. We may display ads served by third-party ad networks, such as Google AdSense. These networks control which ads you see and may use cookies and similar technologies to do so. We do not endorse, and are not responsible for, the products, services, or claims in any advertisement.
• Affiliate links. Some links on this site may be affiliate links, meaning we may earn a commission (at no additional cost to you) if you click through and sign up for or purchase a product or service. This never changes the price you pay.
• No endorsement. The presence of an ad or affiliate link is not a recommendation, endorsement, or financial advice. You should independently research any product or provider before acting.
• Your relationship with advertisers. Any dealings you have with advertisers or merchants found through the Service are solely between you and that third party. We are not responsible for any loss or harm arising from those dealings.

For details on the data third-party ad and affiliate partners may collect, please see our Privacy Policy.

11 Changes to these terms

We may update these Terms of Service from time to time. When we do, we will revise the "Last updated" date at the top of this page. Your continued use of the Service after any change constitutes acceptance of the revised terms. We encourage you to review this page periodically.

12 Governing law

These terms are governed by and construed in accordance with the laws of the jurisdiction in which the Service is operated, without regard to its conflict-of-law provisions. Any disputes arising under these terms shall be subject to the exclusive jurisdiction of the competent courts in that jurisdiction.

13 Contact

Questions about these terms? Head to our Contact page to get in touch. See also our Privacy Policy.