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Terms of Use

Last updated: September 2026

By using Paydown (personal finance and debt payoff calculators), you agree to the following terms.

Use of the calculators

All results are estimates based on typical figures and the inputs you provide. They are for general informational and planning purposes only and are not a substitute for professional advice — consult a licensed contractor, physician, financial advisor, or other qualified professional before making decisions based on these results.

No warranty

Paydown is provided "as is" without warranties of any kind, express or implied. We do not guarantee the accuracy, completeness, or reliability of any calculation, article, or third-party link on this site.

Limitation of liability

To the fullest extent permitted by law, Paydown and its operators are not liable for any direct, indirect, incidental, or consequential damages arising from your use of this site or reliance on its content.

Affiliate and advertising disclosure

This site contains affiliate links (including Amazon Associates links) and displays third-party advertising (Google AdSense). We may earn a commission or advertising revenue from these, at no extra cost to you. See our Privacy Policy for details.

Changes

We may update these terms at any time. Continued use of the site after changes means you accept the revised terms.