By accessing and using Smart Finance Calculators (available at financialcalctools.com, fintoolery.com, toolery.finance, toolery.financial, and toolery.app), you agree to be bound by these Terms of Service ("Terms"). If you do not agree to these Terms, please do not use our Service.
Smart Finance Calculators provides free online financial calculators and tools designed to help users make informed financial decisions. Our Service includes Millionaire Timeline Calculator, Retirement Planning Calculator, Side Hustle Profitability Calculator, Buy vs Lease Comparison Calculator, and related financial planning resources and content.
You may use our Service for personal, non-commercial purposes to calculate financial projections and scenarios, plan your financial future, compare financial options, and access educational financial content.
You may not use the Service for any unlawful purpose, attempt to gain unauthorized access to our systems, interfere with or disrupt the Service, use automated systems to access the Service, reproduce or exploit any portion of the Service without permission, or reverse engineer our calculators.
IMPORTANT: The calculators and information provided on our Service are for educational and informational purposes only. They do not constitute financial, investment, tax, or legal advice.
All calculations are estimates based on the information you provide. Results may not reflect actual future performance due to market conditions, fees, taxes, and other factors. Past performance does not guarantee future results. We strongly recommend consulting with qualified financial professionals before making any financial decisions based on our calculator results.
You are responsible for providing accurate information when using our calculators, as inaccurate inputs will result in inaccurate calculations. Our Service is intended for personal use only. If you create an account or provide personal information, you are responsible for maintaining the confidentiality of your information.
All content on our Service, including text, graphics, logos, calculator algorithms, and software, is the property of Smart Finance Calculators and is protected by copyright and other intellectual property laws. If you submit any content to our Service, you grant us a non-exclusive, royalty-free, perpetual license to use, modify, and distribute such content.
Your privacy is important to us. Please review our Privacy Policy, which explains how we collect, use, and protect your information when you use our Service.
Our Service may display third-party advertisements through Google AdSense and other advertising networks. We are not responsible for the content or practices of these third-party advertisers. Our Service may also contain links to third-party websites, and we are not responsible for the content, privacy policies, or practices of these external sites.
While we strive to maintain continuous service availability, we do not guarantee that our Service will be available 100% of the time. We may experience downtime for maintenance, updates, or technical issues. We reserve the right to modify, suspend, or discontinue any part of our Service at any time without prior notice.
Our Service is provided "as is" and "as available" without any warranties. To the maximum extent permitted by law, Smart Finance Calculators shall not be liable for any indirect, incidental, special, consequential, or punitive damages. Our total liability to you for any claims shall not exceed $100 or the amount you paid to use our Service, whichever is less.
You agree to indemnify, defend, and hold harmless Smart Finance Calculators and its officers, directors, employees, and agents from any claims, damages, losses, or expenses arising from your use of our Service or violation of these Terms.
These Terms shall be governed by and construed in accordance with the laws of the United States. Any disputes arising from these Terms or your use of our Service shall be resolved through binding arbitration in accordance with the rules of the American Arbitration Association.
You may stop using our Service at any time. We may terminate or suspend your access to our Service immediately, without prior notice, if you breach these Terms or for any other reason at our sole discretion. Upon termination, your right to use our Service will cease immediately.
We reserve the right to modify these Terms at any time. We will notify users of any material changes by posting the updated Terms on our website and updating the "Last Updated" date. Your continued use of our Service after such changes constitutes acceptance of the new Terms.
If you have any questions about these Terms of Service, please contact us at legal@financialcalctools.com, visit our Contact Us Page, or write to Smart Finance Calculators, Legal Department.
These Terms of Service were last updated on October 5, 2025.