Terms & Conditions

1. Acceptance of terms

By accessing or using this Amortization Calculator (“the site,” “the tool”), you agree to be bound by these Terms & Conditions. If you do not agree, please do not use the site.

2. Using the calculator

The site provides a free amortization calculator that lets you estimate loan payments and generate a payment schedule for mortgages, auto loans, personal loans, HELOCs, and similar amortized loans. All calculations are performed locally in your browser; no account or payment is required to use the tool.

You’re responsible for the accuracy of the figures you enter and for how you use the resulting output. The tool is provided for personal, informational use, and for reference in your own financial planning.

3. Intellectual property

The site’s design, layout, text, graphics, and underlying code are owned by us or our licensors and are protected by applicable intellectual property laws. You may use the calculator and download your own generated schedule for personal or internal business use, but you may not copy, reproduce, republish, or create derivative works of the site itself without prior written permission.

4. Acceptable use

When using the site, you agree not to:

• Attempt to disrupt, overload, or interfere with the site’s normal operation.
• Scrape, reverse-engineer, or copy the site’s code or content for republication elsewhere.
• Use the site for any unlawful purpose or in violation of any applicable regulation.
• Misrepresent calculator output as an official quote, offer, or guarantee from a lender.

5. No warranty

The site and calculator are provided “as is” and “as available,” without warranties of any kind, whether express or implied, including implied warranties of merchantability, fitness for a particular purpose, or non-infringement. We do not warrant that the calculator will be uninterrupted, error-free, or that its results will be accurate for your specific situation. See our Disclaimer page for more on how to interpret the calculator’s output.

6. Limitation of liability

To the fullest extent permitted by law, we and our contributors will not be liable for any indirect, incidental, special, consequential, or punitive damages, or any loss of profits, revenue, data, or financial opportunity, arising out of or in connection with your use of, or inability to use, the site or its calculated results — even if we have been advised of the possibility of such damages.

7. Third-party links

The site may contain links to third-party websites or reference third-party tools for comparison purposes. We do not endorse and are not responsible for the content, accuracy, or practices of any linked third-party site.

8. Changes to these terms

We may revise these terms from time to time. The “Last updated” date at the top of this page reflects the most recent version. Continuing to use the site after changes are posted means you accept the revised terms.

9. Governing law

These terms are governed by the laws of the jurisdiction in which the site operator is established, without regard to conflict-of-law principles, unless otherwise required by applicable local law.