Disclaimer

Last updated: 2026-07-10

Please read this disclaimer carefully before using CDCalculator.io ("the Site"). By accessing or using any calculator, chart, schedule, or article on the Site, you acknowledge and agree to the following terms.

Educational Purpose Only

All calculators, results, charts, accumulation schedules, and blog articles on CDCalculator are provided for general educational and informational purposes only. They are not intended as investment advice, tax advice, legal advice, insurance advice, or any other form of professional financial guidance.

Estimates, Not Guarantees

Calculator outputs are mathematical estimates based on the inputs you provide. Actual results from banks, lenders, brokerages, or government programs may differ due to fees, rounding, compounding conventions, credit scores, promotional rates, tax law changes, and other factors not modeled in every tool.

No Professional Relationship

Using CDCalculator does not create an advisor-client, attorney-client, or fiduciary relationship between you and CDCalculator, its owners, or its editorial team. Always consult a qualified CPA, CFP, attorney, or licensed lender before making significant financial decisions.

Accuracy of Information

We strive to use standard financial formulas and keep content current, but we make no warranties about the completeness, accuracy, or suitability of any information on the Site. Formulas and rates change; you are responsible for verifying figures with official sources.

Third-Party Links

The Site may link to external websites. We do not control and are not responsible for the content, privacy practices, or availability of third-party sites.

Limitation of Liability

To the fullest extent permitted by law, CDCalculator and its contributors shall not be liable for any direct, indirect, incidental, or consequential damages arising from your use of the Site or reliance on calculator results or articles.

Your Responsibility

You are solely responsible for how you use calculator outputs. Do not rely on CDCalculator as the sole basis for purchasing financial products, taking on debt, or making tax or retirement decisions.

What the tools do not include

Most calculators omit origination fees unless a field exists for them, omit state tax unless noted, and omit lender overlays such as residual-income tests or manual PMI cancellation rules. Social Security and tax tools are simplified models of public formulas, not substitutes for SSA.gov or IRS software. CD tools assume you hold to maturity unless you separately apply a penalty.

Advertising

The Site may display labeled advertisements. Ads are not endorsements of financial products. We do not let advertisers change calculator formulas. If an ad appears near a calculator, treat the ad and the math as separate.

Examples in articles

Worked examples use round numbers so you can reproduce them. They are not typical returns, typical APYs, or typical tax outcomes for your household. Inflation, tax brackets, and FDIC limits cited in blogs are described as rules or statutory figures current as of the article date. Verify live figures with the Federal Reserve, FDIC, IRS, SSA, or your institution before you act.

Nothing on the Site is an offer to sell securities, insurance, or banking products. CDCalculator is not a bank, broker-dealer, or investment adviser.

Past calculator results you printed are snapshots of the formula version on that date. We may later fix a bug; we will not silently rewrite your old printout. If a fix changes a widely used tool, we note it on the calculator page when the change is material.

Use official sources for decisions: your Loan Estimate, CD account agreement, SSA.gov benefit letter, IRS instructions, and plan documents. CDCalculator is a workbook, not those documents.

No duty to update a saved printout

Tax brackets, FDIC limits, and contribution caps change. A printout from last year may be wrong this year even if the formula is the same. Re-run the live page and check the article date on any blog you relied on. We are not obligated to email you when public rules change.

If you are in a dispute with a lender or the IRS, this Site is not evidence of what they owe you. Bring their documents, not our charts, as the primary record.

Charts and schedules can be copied for personal records. They are not certified illustrations. Do not submit a CDCalculator screenshot as the sole documentation for a visa, mortgage underwriting exception, or court filing. Underwriters and judges need primary source documents.

Currency, VAT, and sales-tax tools use rates you type or simple built-in cross rates for illustration. They are not live FX feeds and are not valid for customs filings. Inflation examples use a constant rate you enter, not a promise about future CPI.

Social Security and pension tools cannot see your earnings record. Enter the benefit estimate SSA already gave you. If you have not created an SSA.gov account, do that first; this Site cannot replace it.

Credit, insurance, and state rules

APR on a loan offer depends on credit, term, and underwriting. Our loan tools use the rate you type; they do not pull a credit score or promise that a lender will honor that rate. Auto and homeowners insurance, PMI, and HOA dues change cash flow even when principal and interest stay fixed. Enter those lines when the form has fields; otherwise add them outside the tool.

State income tax, community-property rules, and homestead exemptions are not fully modeled. A federal tax estimate can be directionally useful and still be wrong for your state return. Confirm with a CPA or the state revenue department before you change withholding or make a gift that has tax consequences.

Contact

Questions about this disclaimer? Visit our Contact page or email hello@cdcalculator.io.