Last updated: September 15, 2025
Last Updated: December 2025
These Terms & Conditions (“Terms”) govern your use of CalculatorsToday.com and all websites in the Today Network, including CurrencyConverterToday.com, MortgageCalculatorToday.com, LoanCalculatorToday.com, PaycheckCalculatorToday.com, SavingsCalculatorToday.com, and RetirementCalculatorToday.com (“we,” “us,” or “our”). By accessing or using any of our websites, calculators, or educational content, you agree to these Terms. If you do not agree, please discontinue use immediately.
These Terms work alongside our Privacy Policy, Cookie Policy, Disclaimer, and Affiliate Disclosure, which help explain how the website operates, how we protect your data, and how affiliated content may appear. Together, these documents establish the framework for your rights, responsibilities, and protections when using the site.
1. Acceptance of Terms
By using any part of the Today Network, you acknowledge that you are at least 18 years old and legally able to agree to these Terms. If you are accessing our website from a jurisdiction where online financial tools are restricted, you do so at your own initiative and are responsible for compliance with local laws.
These Terms form a legally binding agreement between you and the Today Network. For reference, guidance from the Federal Trade Commission (FTC) recommends that online services clearly explain user rights and obligations, which this document aims to do.
2. Updates to These Terms
We may update these Terms periodically to reflect changes in laws, technology, or our services. Updated versions will be posted on this page, and the “Last Updated” date will change accordingly. Continued use of the site constitutes agreement to the revised Terms. For best practices on policy changes and updates, organizations such as the GDPR guidelines emphasize clear, accessible communication of revisions—which we adhere to.
3. Purpose of the Website
Calculators Today and the entire Today Network provide educational information, calculators, tools, and long-form guides to help users understand financial concepts. Our tools include, but are not limited to:
- The Paycheck Calculator
- The Loan Calculator
- The Mortgage Calculator
- The Savings Calculator
- The Retirement Calculator
- The Currency Converter
These tools are for informational and educational use only. They do not replace professional advice. As clarified in our Disclaimer, calculators provide estimates, not guarantees. Organizations like the Consumer Financial Protection Bureau (CFPB) note that financial tools should be used with context, and professional advice should be sought for personalized needs.
4. User Responsibilities
When using our websites, you agree to:
- Use the site for lawful purposes only
- Not attempt to disrupt, hack, or interfere with site functionality
- Not misuse calculators by entering malicious code or automated scripts
- Not reproduce or distribute site content without permission
- Not impersonate others when submitting inquiries
Violations may result in restricted access or legal action. This aligns with standard online conduct expectations described by the Internet Crime Complaint Center (IC3).
5. Intellectual Property Rights
All content on Calculators Today—including tools, calculators, images, design, text, blog articles, and site structure—is protected under applicable copyright and intellectual property laws. Unauthorized copying, distribution, or modification is strictly prohibited.
You may, however, use our calculators and educational content for personal, non-commercial purposes. Any other use requires prior written consent. This mirrors standard intellectual property protection practices recommended by the U.S. Copyright Office.
6. Accuracy of Calculations & Content
Our calculators are designed using standard financial formulas and publicly available data sources such as IRS tax brackets, amortization rules, and basic savings/compound-interest models. While we strive for accuracy, we do not guarantee that results will match real-world outcomes. Variables such as lender policies, payroll settings, tax changes, economic shifts, or personal circumstances may produce different results.
As the Internal Revenue Service (IRS) and Federal Reserve regularly update financial guidelines, tool accuracy may change over time. Users should always verify results or consult professionals before making financial decisions.
7. Third-Party Links
Our websites may contain third-party links for informational or educational purposes. These sites are not owned or controlled by us. When you click an external link—such as a government financial page or an educational resource— you do so at your own risk.
We encourage you to review third-party policies and terms. Authoritative organizations like the Federal Trade Commission recommend exercising caution when interacting with external links.
8. Affiliate Links & Advertising
Some pages across the Today Network may include affiliate links, meaning we may earn a commission when users engage with certain recommended services or products. These links do not affect your cost or influence the calculators’ results.
Affiliate practices are explained in more detail in our Affiliate Disclosure, which follows FTC endorsement guidelines.
9. Privacy & Data Usage
Your privacy is extremely important to us. Calculator inputs (such as income, loan amounts, and savings data) are processed in real time and not stored on our servers. Additional details can be found in our Privacy Policy, which follows compliance guidance from organizations such as the Cybersecurity & Infrastructure Security Agency (CISA).
By using our sites, you consent to the handling of data as described in our Privacy Policy and Cookie Policy.
10. Limitation of Liability
To the fullest extent permitted by law, the Today Network, its owners, operators, and affiliates are not liable for:
- Errors or inaccuracies in calculator results
- Financial losses based on decisions made from site information
- Technical issues, outages, or temporary unavailability
- Third-party content, recommendations, or services
- Unauthorized access, attacks, or data breaches beyond reasonable control
Our tools and content are provided “as is” and “as available.” As emphasized in global guidance from the Office of the Australian Information Commissioner, no online service can guarantee flawless performance or absolute security.
11. Indemnification
You agree to indemnify and hold harmless the Today Network from any claims, losses, damages, or expenses arising from your misuse of the site, tools, or content. This includes improper or unlawful behavior, fraud, or breach of these Terms.
12. Governing Law
These Terms are governed by the laws of the United States and the State of California, without regard to conflict of law principles. Any disputes must be resolved through appropriate legal channels within California unless otherwise required by law.
13. Severability
If any part of these Terms is found to be invalid or unenforceable, the remaining sections remain in full force and effect.
14. Contact Information
If you have questions about these Terms or wish to reach us regarding site usage, calculators, or policy matters, please visit our Contact page.