Terms of Use
Effective date: March 13, 2026
By using sum.money you agree to these terms. If you don't agree, please don't use the site.
What sum.money is
sum.money is a free financial calculator platform. It provides estimates for educational and informational purposes. It is not a financial institution, tax advisor, or licensed professional service.
Not financial advice
Nothing on sum.money constitutes financial, tax, legal, or investment advice. Calculator results are estimates based on simplified models and publicly available data. Your actual financial outcomes depend on factors no calculator can capture โ including your credit history, lender policies, local regulations, and market conditions.
Do not make financial decisions based solely on calculator results. Always consult a qualified professional before committing to any financial obligation.
No warranty
sum.money is provided "as is" and "as available" without warranty of any kind, express or implied, including but not limited to warranties of merchantability, fitness for a particular purpose, or non-infringement. We do not guarantee that:
- Calculations are accurate, complete, or current
- Default values reflect your specific situation
- The site will be available without interruption
- Tax rates, formulas, or thresholds are up to date
Limitation of liability
To the maximum extent permitted by law, sum.money and its creators shall not be liable for any direct, indirect, incidental, consequential, or punitive damages arising from your use of the site or reliance on any calculation.
Your responsibility
You are solely responsible for how you use the information provided by sum.money. You agree to verify all calculations independently before making financial decisions.
Intellectual property
The design, code, and content of sum.money are protected by copyright. You may use our calculators freely for personal purposes. You may embed our calculators on your website using the provided embed code. You may not copy, reproduce, or redistribute the source code or content without permission.
Embed usage
You are welcome to embed any sum.money calculator on your blog, website, or course using the embed code provided on each calculator page. No attribution is required. We reserve the right to modify or discontinue any calculator at any time.
Third-party links
sum.money may contain links to external websites. We do not control, endorse, or assume responsibility for the content, privacy practices, or availability of third-party sites.
Changes to these terms
We may update these terms at any time. The effective date at the top of this page indicates the latest revision. Continued use of sum.money after changes constitutes acceptance of the updated terms.
Governing law
These terms are governed by and construed in accordance with applicable law, without regard to conflict of law principles.
Contact
Questions about these terms? Open an issue on our GitHub.