Disclaimer

Last Updated: October 15, 2025

Please read this disclaimer carefully before using thy.finance calculators.

Educational Tools Only

thy.finance provides financial calculators for educational and informational purposes only. Our calculators are designed to help you:

• Understand financial concepts
• Estimate potential outcomes
• Compare different scenarios
• Plan preliminary budgets

They are NOT a substitute for professional financial advice.

Not Financial Advice

IMPORTANT: thy.finance does not provide financial, investment, tax, or legal advice.

• We are not financial advisors, accountants, or tax professionals
• Calculator results are not recommendations to buy, sell, or hold any financial product
• We don't provide personalized financial guidance
• Our calculators don't consider your individual circumstances, risk tolerance, or goals

Consult Professionals

Before making significant financial decisions, you should consult with qualified professionals:

Results Are Estimates

All calculator results are estimates based on assumptions:

• Assumptions may not match reality - Interest rates, investment returns, and tax rates change
• Past performance doesn't predict future results - Historical returns don't guarantee future gains
• Market conditions vary - Economic factors can significantly affect outcomes
• Individual circumstances differ - Your specific situation may require different assumptions
• Simplifications are necessary - Real financial products have complexities we can't fully model

No Guarantee of Accuracy

While we run 1,000+ automated tests and strive for accuracy, we cannot guarantee:

• Calculator results are completely error-free
• Calculations match your specific financial institution's methods
• Results comply with the latest tax laws in your jurisdiction
• Formulas reflect all edge cases and special circumstances

Always verify important calculations with official sources or professionals.

Not a Substitute for Professional Software

thy.finance calculators are simplified tools. They are not replacements for:

• Professional financial planning software
• Tax preparation software like TurboTax or H&R Block
• Certified financial plans from licensed advisors
• Official retirement benefit calculators from SSA or pension administrators

Market and Investment Risks

Investment and retirement calculators assume certain rates of return. These are projections, not guarantees:

• Investment returns can be negative (you can lose money)
• Stock markets are volatile and unpredictable
• Bonds and savings accounts carry different risks
• Inflation reduces purchasing power over time
• Diversification doesn't eliminate risk

Higher returns typically mean higher risk. Understand your risk tolerance before investing.

Tax Considerations

Our calculators use simplified tax calculations:

• Tax brackets and rules vary by location (federal, state, local)
• Tax laws change annually
• Your specific tax situation may differ (deductions, credits, exemptions)
• We don't account for all tax nuances (AMT, NIIT, state-specific rules)

Consult a tax professional for accurate tax planning.

Loan and Mortgage Disclaimers

Loan and mortgage calculators provide estimates only:

• Actual loan terms depend on your credit score, income, and lender policies
• APR calculations may not include all fees (origination, appraisal, insurance)
• Closing costs vary significantly by lender and location
• Pre-qualification doesn't guarantee loan approval

Always get official quotes from multiple lenders before making decisions.

Retirement Planning Disclaimers

Retirement calculators make assumptions that may not hold true:

• Your actual retirement expenses may differ from estimates
• Social Security benefits are subject to change by Congress
• Healthcare costs in retirement are difficult to predict
• Life expectancy is an estimate, not a guarantee
• Employer matches and contribution limits can change

Work with a certified financial planner for comprehensive retirement planning.

No Liability for Decisions

You are solely responsible for your financial decisions. thy.finance is not liable for:

• Financial losses from using our calculators
• Decisions made based on calculator results
• Missed opportunities or incorrect assumptions
• Changes in laws, regulations, or market conditions

See our Terms of Service for full liability limitations.

Reporting Errors

If you believe you've found an error in our calculations:

• Email bugs@thy.finance with details
• Include your inputs and expected vs actual results
• We investigate all reports and fix confirmed bugs

However, we cannot compensate for losses that may have occurred before an error was discovered and fixed.

Use at Your Own Risk

By using thy.finance calculators, you acknowledge that:

• You understand these disclaimers
• You accept responsibility for verifying results
• You will consult professionals for important decisions
• You use our tools at your own risk

For More Information

Learn more about how we build and test our calculators:

• Our Methodology - Testing and validation process
• About Us - Who we are and what we do
• Contact Us - Questions or feedback

This disclaimer is effective as of October 15, 2025