Terms of Use

4calcs offers free calculators for general information and education. We work hard to use correct, standard formulas, but we provide the site “as is” without warranties of any kind and cannot guarantee that every result fits your exact situation.

Nothing on 4calcs is financial, tax, investment, medical, or legal advice. Results are estimates. Before making decisions about a mortgage, loan, taxes, health, or similar matters, consult a licensed professional who knows your circumstances.

Tax brackets, interest rates, and CPI figures change over time. We update tools periodically and show a “Last updated” date on each page, but real quotes from a lender, employer, or tax authority may differ from our estimates. Current-year inflation figures are estimates until the official annual data is published.

You may use 4calcs for personal and commercial estimating. You may not attempt to disrupt the site, scrape it at scale, or present our results as guaranteed figures from a financial institution.

Some pages link to outside sources such as the IRS, the Bureau of Labor Statistics, or the Tax Foundation. We are not responsible for the content, products, or privacy practices of third-party sites. Review their terms before you act.

The text, design, code and graphics of 4calcs belong to 4calcs. You may use the calculators and share links to any page, and you may quote short passages with a link back to the page. Please don’t copy whole pages, republish our content as your own, or reuse our design or code without permission. Formulas, official rates and figures from public sources are not ours; we cite where they come from.

4calcs may show ads served by Google AdSense and uses third-party services such as analytics and our hosting provider. These services may use cookies or similar technologies, subject to your consent choices where the law requires them. Advertising never changes a calculator result. Our privacy policy explains which services we use, what they collect and how to control them.

When you send us a message, you agree that we may use it to reply to you and, if you report an error or suggest an improvement, to fix or improve the site. Don’t send confidential documents or sensitive personal information. How we handle messages is described in the privacy policy.

To the fullest extent the law allows, 4calcs and the people who run it are not liable for any loss or damage that results from using, or relying on, the site or its results — including financial decisions made on the basis of an estimate. You use the calculators at your own risk, and you are responsible for checking important figures with an official source or a qualified professional.

We may add, change or remove calculators, guides and features at any time, and the site may sometimes be unavailable for maintenance or for reasons outside our control. We don’t guarantee that the site will always be available or error-free.

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We may update these terms as the site grows. Continued use after changes means you accept the updated terms. Questions? Email [email protected].