Terms of Use & Disclaimer

1. Purpose & Scope

LoanRig.com provides free financial calculators covering mortgages, auto loans, compound interest, refinancing, loan payoff projections, retirement planning (401(k)), salary & take-home pay, debt-to-income ratios, rent vs. buy comparisons, investment returns, inflation impact, and federal tax brackets.

Our tools use standard financial formulas and publicly available data including:

• Standard amortization formulas for loan calculations
• 2025 IRS federal income tax brackets and standard deductions
• 2025 FICA tax rates (Social Security 6.2%, Medicare 1.45%)
• Compound interest formulas per standard financial mathematics
• Historical S&P 500 average returns for investment benchmarks

These tools provide general estimates that may not account for your complete financial situation, state/local tax laws, or individual circumstances.

2. Not Financial Advice

Nothing on LoanRig.com constitutes financial, tax, investment, legal, or accounting advice. Our calculators are educational tools designed to help you understand financial concepts and estimate potential outcomes.

LoanRig.com tools do not replace:

• A licensed financial advisor or financial planner
• A certified public accountant (CPA) or tax professional
• A licensed mortgage broker or loan officer
• A registered investment advisor
• Legal counsel for financial or tax matters

You should always consult with qualified professionals before making decisions about mortgages, investments, retirement planning, taxes, or any other financial matter.

3. Limitation of Liability

LoanRig.com, its owner, and contributors shall not be held liable for any damages, losses, or adverse financial outcomes resulting from the use of any calculator or tool on this site. This includes but is not limited to:

• Incorrect mortgage payment estimates leading to budget miscalculations
• Tax liability estimates that differ from actual amounts owed
• Investment return projections that don't match real-world performance
• Refinance savings calculations that don't account for all closing costs or fees
• Retirement projections that differ from actual outcomes due to market conditions
• Debt-to-income assessments that lead to incorrect loan qualification assumptions
• Any financial decision made based on calculator results

By using this site, you acknowledge that all calculations are estimates and you assume all risk associated with any decisions made using our tools.

4. Accuracy & Methodology

We take accuracy seriously. Our approach includes:

• Verified formulas: All calculators use standard, well-established financial formulas
• Automated testing: A comprehensive test suite with 45+ independent verification checks runs weekly against all calculators
• Current data: Tax brackets, FICA rates, and other reference data are updated for the current tax year
• Transparent methodology: Calculations run entirely in your browser - you can inspect the code

That said, no calculator is infallible. If you believe you've found an error, please contact us at eklamer1@gmail.com and we will investigate promptly.

5. Individual & Regional Variations

Financial calculations can vary significantly based on individual circumstances and location. For example:

• State and local income taxes are not included in federal tax calculations
• Mortgage rates, PMI, property taxes, and insurance vary by lender and region
• Employer 401(k) plans have different matching formulas, vesting schedules, and investment options
• Actual investment returns depend on specific funds, timing, and market conditions
• Salary deductions vary by employer benefits, pre-tax contributions, and local tax jurisdictions

Always verify assumptions with your specific lender, employer, tax jurisdiction, or financial institution.

6. Affiliate Links & Advertising

LoanRig.com may contain affiliate links (including Amazon Associates) and display advertisements (Google AdSense). When you click an affiliate link and make a purchase, we may earn a small commission at no additional cost to you.

Important: Affiliate relationships and advertising do not influence our calculator results, formulas, or recommendations in any way. Calculation accuracy is completely independent of any commercial relationships.

This disclosure is made in accordance with the Federal Trade Commission (FTC) guidelines on affiliate marketing.

7. Privacy & Your Data

All calculations run entirely in your browser. The numbers you enter into our calculators are never transmitted to our servers or any third party.

• No personally identifiable calculation data is stored or collected
• We use Google Analytics for anonymous site usage statistics (page views, traffic sources)
• Google AdSense may use cookies to serve relevant advertisements
• We do not sell, share, or transmit any personal financial data

Your financial information stays on your device, period.

8. Intellectual Property

© 2026 LoanRig.com. All rights reserved.

The content, design, code, and calculator implementations on this site are protected by copyright. You may use the calculators freely for personal and professional estimation purposes. You may not reproduce, redistribute, or repurpose the site's code, design, or content without written permission.

9. Changes to These Terms

We may update these terms at any time. Changes take effect immediately upon posting. The "Last updated" date at the top of this page reflects the most recent revision. Continued use of the site constitutes acceptance of any updated terms.

10. Contact

Questions about these terms or our calculators? Reach us at eklamer1@gmail.com.