Terms of Use & Disclaimer

Last updated: November 11, 2026.

Acceptance of terms

By using Calculator HQ ("the site"), you agree to these terms. If you do not agree with them, please do not use the site. These terms apply to every page and calculator on the site.

Estimates only — not professional advice

The calculators on this site produce estimates for general information only. They are not tax advice, legal advice, or financial advice, and they do not replace the advice of a qualified professional. Before making a decision based on a result — a tax filing, a pay dispute, a mortgage, or a job offer — verify the figures with a qualified professional or an official source, such as your employer's payroll department, the Canada Revenue Agency, the US Internal Revenue Service, or your lender.

Accuracy and updates

The formulas and figures on the site are checked against their sources at the time they are written, but tax brackets, contribution rates, and employment rules change. The Canada and US take-home calculators use figures for the 2026 tax year; they will become out of date as new tax years begin. Exchange rates come from a third-party feed and may lag the live market. We do not guarantee that any figure on the site is current, complete, or free of errors, and we may update or correct content at any time without notice.

Liability

The site and its content are provided "as is", without warranties of any kind. To the fullest extent permitted by law, the site owners are not liable for any loss, cost, or damage arising from the use of the site or from decisions made on the basis of its results — including, without limitation, errors in a calculation, out-of-date figures, or interruptions to the service. Your use of the site is at your own risk.

Privacy

How the site handles your information is described in the Privacy Policy, which forms part of these terms.

Contact

Questions about these terms can be sent through the Contact page.

Changes to these terms

These terms may change from time to time. The updated version will be posted on this page with a new "last updated" date, and continued use of the site after a change means you accept the updated terms.