Terms of Service

Last updated: January 30, 2026

By accessing or using Debt Payoff Spreadsheet, you agree to be bound by these Terms of Service.

1. Use of the Site

You agree to use the site and its tools for lawful purposes only. The information provided by our calculator is for informational and planning purposes and does not constitute professional financial advice.

2. Disclaimer of Warranties

This site and its tools are provided "as is" and "as available" without any warranty of any kind. While we strive for accuracy, we cannot guarantee that the results generated by the calculator will be error-free or perfectly reflect your specific financial situation.

3. Limitation of Liability

In no event shall Debt Payoff Spreadsheet or its creators be liable for any damages arising out of the use or inability to use the tools provided on this site.

4. Affiliate Disclosure

In compliance with FTC guidelines, please be aware that this website contains affiliate links. This means that if you click on a link and make a purchase or sign up for a service, we may receive a small commission at no additional cost to you.

We only recommend products and services that we believe will be helpful to our users. These commissions help us keep the debt calculator and other resources free to use.

5. Changes to Terms

We reserve the right to modify these terms at any time. Your continued use of the site following any changes constitutes your acceptance of the new terms.

6. Contact

Questions about the Terms of Service should be sent to us via our contact page.