Terms and Conditions

Last Updated: [11-02-2026]

Welcome to Save or Spend Calculator. By accessing and using this website, you agree to the following terms and conditions. If you do not agree with these terms, please do not use this website.

1. Educational Purpose Only

The Save or Spend Calculator is provided for general informational and educational purposes only. The calculator illustrates potential financial trade-offs based on user inputs and estimated growth assumptions.

This website does not provide financial, investment, tax, or legal advice.

2. No Professional Advice

The information and calculations provided on this website are not personalized financial advice. Financial outcomes depend on individual circumstances, market conditions, and risk tolerance.

Users should consider their own financial situation and consult a qualified professional before making significant financial decisions.

3. Accuracy of Information

While we strive to ensure that the calculator functions accurately, we do not guarantee that all calculations, projections, or information are free from error.

All use of this website is at your own risk.

4. Limitation of Liability

Save or Spend Calculator and its owner shall not be held liable for any direct, indirect, incidental, or consequential damages resulting from the use or misuse of this website or reliance on its content.

5. Intellectual Property

All content, design, and materials on this website are the intellectual property of Save or Spend Calculator unless otherwise stated. Content may not be copied, reproduced, or distributed without permission.

6. External Links

This website may contain links to third-party websites. We are not responsible for the content, privacy practices, or policies of external sites.

7. Changes to These Terms

We reserve the right to update or modify these Terms and Conditions at any time. Continued use of the website constitutes acceptance of any changes.

8. Contact

For questions regarding these Terms and Conditions, please contact: Information at Save or Spend Calculator