Terms of Use

By using credit.nowcalculator.net (the "Site") you agree to these terms. If you do not agree, please do not use the Site.

1. What the Site provides

The Site offers free, browser-based credit and debt calculators — including a credit card payoff calculator, a debt payoff (snowball vs avalanche) calculator, a student loan calculator, a 50/30/20 budget calculator, a debt-to-income calculator, and a savings goal calculator — along with related educational content and reference lists. All calculations are performed within your browser; the figures you enter are not transmitted to or stored on our servers.

2. Not financial advice

The Site provides tools and general information for educational purposes only. It does not provide financial, tax, legal, or other professional advice, and no client or advisory relationship is created by using it. Interest rates, loan terms, savings returns, scholarship details and lender eligibility vary and change over time. Always confirm figures with the relevant provider and, for decisions that matter, consult a qualified professional.

3. Accuracy and limitations

Our calculators use standard formulas and reasonable assumptions, but results are estimates. They may not reflect provider-specific fees, compounding conventions, taxes, promotional or teaser rates, regional rules, or changes in variable rates. Reference information — including bank rates, scholarship programs and third-party services — may become out of date; verify current details at the source. Use all results at your own discretion.

4. Acceptable use

You may use our calculators freely for personal and commercial purposes. You may not copy, scrape, republish, or resell our written content or calculator code without permission.

5. Third-party links

The Site links to external websites, such as banks, scholarship programs and credit bureaus, for your convenience. We do not control and are not responsible for their content, offers, or practices.

6. Availability

We may change, add, or remove calculators and content at any time, and the Site may occasionally be unavailable for maintenance.

7. Limitation of liability

To the fullest extent permitted by law, NowCalculator is not liable for any loss or damage arising from your use of, or reliance on, this Site or any third party it links to.

8. Changes

We may update these terms from time to time. Continued use of the Site means you accept the current version.

9. Contact

Questions can be sent through our Contact page or to support@nowcalculator.net.