Terms of Use

By using finance.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 finance calculators — a mortgage calculator, a loan calculator and a home-affordability calculator — along with related educational content about global finance, economics and society. 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, taxes, insurance, PMI and lender eligibility vary and change over time. Affordability guidance (the 28/36 rule) is a general benchmark, not a lending decision. Educational content about economics, geopolitics and society presents multiple viewpoints on contested topics and is not a statement of the Site's position. Always confirm figures with the relevant provider and consult a qualified professional for decisions.

3. Accuracy and limitations

Our calculators use standard amortization formulas, but results are estimates. They may exclude HOA fees, closing costs, escrow specifics, variable rates and other real-world factors, and PMI is approximated. Verify all figures with your lender. 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.