Terms of Use

Acceptance of Terms

By accessing and using howmuchpermonth.com ("the Site"), you agree to be bound by these Terms of Use. If you do not agree to these terms, please do not use the Site.

Nature of the Service

The Site provides free financial calculators for informational and educational purposes only. The calculators perform mathematical calculations based on the inputs you provide and standard financial formulas. The Site does not provide financial advice, investment advice, tax advice, or legal advice of any kind.

Accuracy and Limitations

While we strive to ensure our calculators use accurate formulas, the results are estimates only. Actual financial outcomes may differ due to:

• Taxes (federal, state, local)
• Fees, closing costs, and service charges
• Insurance requirements (PMI, homeowners, auto)
• Variable interest rates and market conditions
• Rounding differences between institutions
• Regional and personal financial circumstances

We make no warranty, express or implied, regarding the accuracy, completeness, or reliability of any calculation result.

No Financial Advice

Nothing on this Site constitutes a recommendation to buy, sell, hold, or transact in any financial product or instrument. The presence of affiliate links or product references does not constitute an endorsement. Always consult a qualified financial advisor, tax professional, or legal counsel before making financial decisions.

User Conduct

You agree not to:

• Use the Site for any unlawful purpose
• Attempt to reverse engineer, scrape, or reproduce the Site's functionality for commercial use without permission
• Interfere with or disrupt the Site's operation

Intellectual Property

All content, design, and code on this Site are the property of howmuchpermonth.com unless otherwise noted. You may not reproduce, distribute, or create derivative works without written permission.

Affiliate Disclosures

The Site may contain affiliate links to third-party products and services. We may earn a commission if you click an affiliate link and make a purchase or sign up for a service. This does not affect the price you pay. All affiliate relationships are clearly disclosed on the relevant pages.

Limitation of Liability

To the fullest extent permitted by law, howmuchpermonth.com shall not be liable for any direct, indirect, incidental, consequential, or special damages arising from your use of the Site or reliance on any calculator result.

Changes to These Terms

We reserve the right to modify these terms at any time. Changes will be posted on this page. Your continued use of the Site after changes are posted constitutes acceptance of the modified terms.

Contact

For questions about these terms, contact us at hello@howmuchpermonth.com.