Terms of Use

1. Not Financial Advice

DebtPayoff provides educational tools and content. Nothing on this site constitutes financial advice, investment advice, legal advice, or tax advice. The calculators provide estimates based on the numbers you enter — actual results may differ due to fees, compounding methods, and payment timing.

Before making major financial decisions, consult a qualified professional who can review your specific situation.

2. Calculator Accuracy

Our calculators use standard amortization formulas. They are intended as planning tools, not as guarantees of future outcomes. Interest calculations may vary from your lender's exact methods. Always verify with your financial institution before making payment decisions based on calculator results.

3. Free to Use

All tools on this site are free. No signup, no credit card, no trial period. We earn revenue through affiliate partnerships — when you click certain links and make a purchase, we may receive a commission.

4. Intellectual Property

The content, tools, and code on this site are protected by copyright. You're welcome to link to our pages, but please don't reproduce our content without permission.

5. Limitation of Liability

We provide this site "as is" without warranties of any kind. We are not liable for any losses or damages arising from your use of the site or reliance on its content.