Disclaimer

General Disclaimer

The information and calculations provided by Finzs are for general informational and educational purposes only. Nothing on this website constitutes financial, investment, legal, tax, or other professional advice.

You should not rely solely on the information presented on this website when making financial decisions. We strongly recommend consulting with appropriate licensed professionals who can consider your individual circumstances, objectives, and risk tolerance.

No Professional Relationship

Your use of Finzs does not create any fiduciary, advisory, broker-dealer, or other professional relationship. We are not financial planners, investment advisors, tax professionals, or attorneys. The tools we provide are calculators — they execute mathematical formulas based on the inputs you provide, nothing more.

Tax Calculations

Our tax calculators are based on publicly available tax bracket information for the 2025 tax year. Tax laws are complex, frequently change, and vary by individual circumstances. The estimates provided do not account for all possible deductions, credits, phaseouts, alternative minimum tax, or other tax provisions that may affect your actual tax liability.

State tax calculations are simplified models that may not reflect local taxes, city taxes, or special tax districts. Self-employment tax calculations do not account for the Qualified Business Income deduction or other potential adjustments. Always consult a CPA or tax professional for tax planning and preparation.

Investment and Retirement Projections

Retirement and compound interest projections are mathematical models based on the assumptions you provide (contribution amounts, return rates, time horizons). Actual investment returns vary and may be negative. Past performance does not guarantee future results, and hypothetical projections do not reflect actual market conditions, fees, taxes, or inflation.

These tools are for educational purposes to help you understand compound growth mechanics. They are not investment recommendations or financial plans. Before making investment decisions, consider your risk tolerance, time horizon, and consult with a registered investment advisor.

Mortgage and Loan Calculations

Mortgage and loan calculators provide estimates based on simplified interest models. Actual mortgage terms depend on your credit score, debt-to-income ratio, property location, loan type, and current market conditions. The calculators do not account for property taxes, homeowners insurance, private mortgage insurance (PMI), HOA fees, or closing costs unless explicitly noted.

Loan payoff calculations assume fixed interest rates and consistent extra payments. Actual loan terms may include prepayment penalties, variable rates, or other provisions that affect payoff timelines.

Currency Exchange Rates

Currency conversion uses live exchange rates from the Frankfurter API, sourced from 84 central banks and cached locally for 1 hour. Financial institutions typically apply spreads and fees not reflected in our conversion. For actual currency transactions, always check the rate offered by your bank, broker, or foreign exchange service.

No Warranty

THE SERVICE IS PROVIDED "AS IS" WITHOUT WARRANTY OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NON-INFRINGEMENT.

We do not warrant that the Service will be uninterrupted, timely, secure, error-free, or that any defects will be corrected. You use the Service at your own discretion and risk.

Jurisdictional Notice

Financial regulations, tax laws, and consumer protections vary significantly by country, state, and locality. Finzs provides general-purpose tools that may not reflect the specific legal or regulatory framework applicable to your jurisdiction. It is your responsibility to understand how local laws apply to your financial situation.