Last Updated: January 2025
The financial calculators provided on thy.finance are for educational and informational purposes only. They are not intended to provide, and should not be relied upon for, financial, investment, legal, or tax advice.
The calculators, tools, information, and content provided on this website do not constitute financial, investment, legal, tax, or professional advice of any kind. The results generated by these calculators are estimates only and are based entirely on the information and assumptions you provide.
You should consult with qualified financial, legal, and tax professionals before making any financial decisions. thy.finance and its creators assume no responsibility for any financial decisions you make based on information from these calculators.
These financial calculators are designed to help you:
They are NOT designed to:
While we strive for mathematical accuracy and follow established financial formulas (including GAAP, TILA Regulation Z, and ISO 4217 standards), we make no warranty or guarantee regarding the accuracy, completeness, or suitability of calculator results.
Calculator results are only as accurate as the assumptions and inputs you provide. Factors that can affect accuracy include:
Past performance is not indicative of future results. Investment returns shown in historical examples or default assumptions do not guarantee that similar returns will be achieved in the future. All investments carry risk, including the risk of loss of principal.
Our calculators use default assumptions (such as average market returns, inflation rates, or interest rates) that may not reflect:
You should adjust all inputs to reflect your personal situation and consult with professionals to validate assumptions.
Financial calculators necessarily simplify complex real-world scenarios. Factors we may not account for include:
Where applicable, we calculate and display Annual Percentage Rate (APR) in accordance with the Truth in Lending Act (TILA) Regulation Z. However, thy.finance is not a lender, and APR calculations provided are for educational comparison purposes only.
Actual APR from lenders may differ due to:
We follow Generally Accepted Accounting Principles (GAAP) for rounding (banker's rounding) and ISO 4217 standards for currency precision. However, individual financial institutions may use different rounding methods or calculation methodologies.
thy.finance, its creators, contributors, and affiliates shall not be liable for any losses, damages, or adverse outcomes resulting from your use of these calculators or reliance on calculator results.
This includes, but is not limited to:
You use these calculators entirely at your own risk.
This website may contain links to third-party websites, services, or financial institutions. We do not endorse, warrant, or assume responsibility for any third-party content, services, or products. You access third-party links at your own risk.
All calculations are performed locally in your browser. We do not store, transmit, or have access to any financial information you enter into our calculators. Your privacy is protected.
thy.finance does not collect, store, or sell your personal financial data. All calculator inputs remain on your device.
We strive to maintain WCAG 2.1 Level AA accessibility standards. If you encounter accessibility barriers, please contact us so we can improve.
We reserve the right to update this disclaimer at any time. Changes will be effective immediately upon posting. Your continued use of the calculators after changes constitutes acceptance of the updated terms.
This disclaimer and your use of thy.finance calculators shall be governed by and construed in accordance with applicable laws, without regard to conflict of law principles.
If you have questions about this disclaimer or the calculators, please refer to our documentation or open an issue on our GitHub repository.