Disclaimer

General Disclaimer

The information provided on heroncalc.com (the "Site") is for general informational and educational purposes only. Nothing on this Site should be construed as financial, tax, investment, legal, or other professional advice.

You should always consult with a qualified financial advisor, certified public accountant, tax professional, or other appropriate expert before making financial decisions. Your financial situation is unique, and generic calculator outputs cannot account for all the factors that affect your specific circumstances.

Calculator Accuracy

Our calculators are designed to provide reasonable estimates based on the inputs you provide and standard financial formulas. However, results are approximations and should not be relied upon as precise predictions. Key limitations include:

• Mortgage calculator — Estimates are based on standard amortization formulas. Actual payments may differ due to lender-specific fees, escrow adjustments, rate changes on ARMs, PMI recalculation, property tax reassessments, and insurance premium changes. Live rates sourced from the FRED API represent national averages and may not reflect rates available to you.
• Compound interest calculator — Assumes a constant rate of return, which does not reflect real-world market volatility. Actual investment returns will fluctuate and may be significantly higher or lower than the rate you enter. Past performance does not guarantee future results.
• Debt payoff calculator — Assumes fixed interest rates and consistent payments. Actual payoff timelines may change with rate adjustments, missed payments, new charges, or changes in minimum payment calculations.
• Retirement calculator — Uses simplifying assumptions about tax rates, inflation, market returns, Social Security benefits, and Required Minimum Distributions. Retirement planning involves significant uncertainty, and results should be treated as rough estimates only.
• Tax withholding calculator — Based on current federal and state tax brackets, standard deduction amounts, and FICA rates. Tax law changes frequently. This tool does not account for all possible credits, deductions, or individual tax situations. It is not a substitute for professional tax preparation.
• Savings goal calculator — Assumes a constant interest rate and regular contributions. Actual savings growth depends on the type of account, rate changes, fees, and consistency of contributions.

Interest Rates and Financial Data

Where the Site displays current interest rates, these are typically sourced from the Federal Reserve Economic Data (FRED) API or other publicly available data sources. These rates represent national averages or benchmark rates and may not reflect the specific rates available to you from any lender or financial institution.

Financial data such as tax brackets, contribution limits, standard deductions, and income thresholds are updated periodically but may not always reflect the most current figures. Always verify current rates and limits with the relevant institution or government agency (e.g., IRS.gov, SSA.gov) before making decisions.

No Professional Relationship

Use of this Site does not create a professional-client relationship of any kind. HeronCalc is not a registered investment advisor, broker-dealer, financial planner, tax preparer, or legal advisor. The Site's owner and contributors are not licensed to provide personalized financial advice.

Third-Party Links and Products

The Site may contain links to third-party websites, products, and services. These links are provided for convenience and informational purposes. HeronCalc does not endorse, guarantee, or assume responsibility for the accuracy or reliability of any third-party content, products, or services.

Some links on the Site are affiliate links, meaning we may receive compensation if you click through and take certain actions. This compensation does not influence the information we present in our calculators. See our Affiliate Disclosure for more details.

Use at Your Own Risk

You use the Site and its tools entirely at your own risk. HeronCalc shall not be held liable for any damages, losses, or negative outcomes resulting from your use of or reliance on the information or tools provided on this Site.

Financial decisions involve risk. The calculators on this Site are meant to help you think through scenarios — they are not predictions of what will happen. Always do your own research and seek professional guidance for important financial decisions.

Contact Us

If you have questions about this Disclaimer, please contact us at: [email protected]