Terms of Use

Last updated 2026-10-26.

PmtCalc calculators and articles are provided free, for general education and planning. PmtCalc provides estimates for education and planning only. Results are not an offer of credit, a loan approval, or financial, tax or legal advice. Actual terms depend on the lender and your situation.

We work to keep every formula correct, but the site is provided “as is” without warranties of any kind. Lenders may use different conventions (for example daily interest, different first-payment dates or fees), so their figures can differ. Confirm all terms with your lender before making a decision.

PmtCalc is not a lender or broker and does not arrange, offer or recommend specific loans. Any advertisement shown on the site is labeled and is not an endorsement.

By using this site you agree that PmtCalc is not liable for decisions made based on its results.