Disclaimer & Terms of Use

1. Not financial, tax, legal or lending advice

ClearFigure is an independent informational website. Its operators are not acting as your financial adviser, tax preparer, accountant, attorney, broker, lender or payroll provider. Nothing on this site is a recommendation to buy, borrow, invest, withhold, file or pay anything in a particular way. Decisions that have financial or legal consequences should be made with current, authoritative information and, where appropriate, a qualified professional.

2. What the calculators do not include

• Loan & Mortgage: no private mortgage insurance, closing costs, points, escrow changes, adjustable rates, lender fees, property-specific assessments or credit-based pricing.
• Tip & Split: no determination of a customary or required gratuity, no local rules, no payment processing and no service-charge detection.
• Salary & Tax: no credits, itemized deductions, dependents, benefits, bonus withholding, multiple jobs, state bracket tables, local taxes, payroll-specific tables or current-law verification.

Each tool page lists its own exclusions. A result that looks precise to the cent is still an estimate, because the inputs and the model are simplified.

3. Tax parameters change

Brackets, standard deductions, wage bases and surcharge thresholds are updated by tax authorities over time. The salary tool uses one clearly labelled illustrative parameter set stored in the site's script. We aim to review it annually, but we do not guarantee that it reflects the law in effect on the day you use the site. Verify current values at irs.gov or with a tax professional.

4. No warranty

The site is provided “as is” without warranties of any kind, express or implied. We do not warrant that the calculators are error-free, uninterrupted, complete or fit for any particular purpose. To the fullest extent permitted by law, ClearFigure and its operators are not liable for any loss, cost or damage arising from the use of, or inability to use, this site or its output, including decisions made in reliance on an estimate.

5. Your responsibility

You are responsible for entering accurate inputs, checking the assumptions shown next to each result and confirming important figures with the relevant institution, employer, lender or authority. Do not use this site to prepare a tax return, set payroll withholding, apply for credit or settle a legal obligation.

6. Acceptable use

You may use the calculators for personal, educational and general business estimation. You may not copy the site's text and present it as your own, scrape it at scale, interfere with its operation, use it to distribute unlawful or harmful material, or attempt to generate invalid ad traffic. No content on this site is intended for children under 13.

7. Advertising and third parties

The site is ad-supported. Advertisements are placed separately from the tools and do not affect results. Third-party ad networks and linked external sites operate under their own terms and privacy policies; we do not endorse their products or control their content. The presence of an advertisement is not a recommendation.

8. Intellectual property

The text, design and code of ClearFigure are original to this project. You may link to any page. Brand names of third parties, where mentioned, belong to their respective owners and are used only for identification.

9. Changes

We may update the calculators, the content or these terms at any time. The date at the top of this page indicates the current version. Continued use of the site after a change means you accept the updated terms.

10. Contact

To report a calculation error or ask about these terms, use the contact page. We do not answer requests for personal financial, tax or legal advice.