Disclaimer

The content and calculators on MoneyMetric are for general educational and informational purposes only. They do not constitute financial, investment, tax, legal or accounting advice, and they are not a recommendation to buy, sell, or hold any product or security, or to enter into any credit agreement.

We do not know your income, obligations, goals, risk tolerance, tax position or jurisdiction, and our tools cannot account for them. Always consult a qualified professional — a licensed financial adviser, a certified public accountant, a tax professional or an attorney — before acting on anything you read here.

Every calculator makes simplifying assumptions, and each page states its own. Common ones include a constant interest rate for the whole term, level payments made exactly on schedule, no fees, no taxes on gains, and no change in circumstances.

Real financial products rarely behave that neatly. Rates change, fees apply, payments are missed, tax rules are revised, and markets move in sequences rather than averages. Treat a projection as an illustration of how the variables interact — not a forecast of what will happen.

Past performance does not predict future results. Any expected return you enter is an assumption, not a promise. Investments can lose value, and a projection showing growth does not mean growth will occur. Sequence-of-returns risk — the order in which good and bad years arrive — can materially change outcomes even when the average return is unchanged.

Our salary calculator applies published federal tax brackets and simplified state rules to a standard salaried employee taking the standard deduction. It excludes tax credits, itemised deductions, local and municipal income taxes, state disability contributions, alternative minimum tax, self-employment tax, equity compensation and additional withholding elected on a Form W-4.

Results should not be used to complete a tax return, to determine withholding, or to make any tax decision. Tax law changes frequently and varies by circumstance. Consult a qualified tax professional.

Our mortgage and affordability calculators reflect common underwriting guidelines. They are not a loan offer, a pre-qualification, or a pre-approval, and no lender is bound by them. Actual approval depends on credit history, employment, assets, the property itself and the specific lender's criteria.

To the fullest extent permitted by law, MoneyMetric accepts no liability for any loss or damage arising from use of this site or reliance on its output. Full terms are set out in our Terms of Use.