Terms of Use

1. Information only, not advice

The calculators and guides on SmartFinancesHub.com are for general information and education. They are not tax, legal, investment or financial advice, and we are not licensed financial, tax or legal professionals. For decisions about your own situation, talk to a qualified professional.

2. Estimates can be wrong

Results are estimates based on the inputs you enter and the rates stated on each calculator. Tax rules and platform fees change, and your situation may differ from the calculator's assumptions. The calculators cover the United States and Canada (excluding Quebec for Canada Pension Plan figures). We check the stated rates against official sources but can't guarantee they are complete or current, and we aren't responsible for losses or decisions based on the results.

3. Free to use

The site is free. There are no accounts, subscriptions or paid features.

4. Using the content

You're welcome to use the calculators and print or save your results for personal use. Please don't copy the site's text or tools in bulk or republish them as your own.

5. Contact

Questions about these terms can be sent to smartfinanceshub@gmail.com or through the contact page.