Terms of use
By using CalcSmith you accept these terms. Last updated: November 2026.
Estimates, not advice
CalcSmith provides educational calculation tools. Results are estimates based on the inputs you provide and standard financial formulas; they are not financial, tax, legal or investment advice, and they do not constitute an offer of credit, insurance or any financial product. Lenders, insurers and tax authorities compute their own figures, which may differ. For significant decisions, verify results with a qualified professional.
Accuracy
We work to keep every formula, example and explanation correct, and we correct reported errors promptly. We do not guarantee that results are free of error or that explanatory content (typical rates, tax rules, program details) is current in your jurisdiction.
Use of the site
You may use the calculators freely for personal and commercial evaluation purposes. Republishing the site's content wholesale, scraping it to build a competing copy, or misrepresenting CalcSmith results as official quotes from a lender or authority is not permitted.
Liability
Your use of the calculators and the decisions you base on them are your responsibility. CalcSmith is not liable for losses arising from reliance on estimated results.