Last updated: January 2025
Plain English summary: The calculators on this site give you useful estimates for everyday decisions. They are not a substitute for professional financial, tax, or legal advice. Numbers are based on 2024 data and general assumptions — your real situation may differ. When in doubt, talk to a qualified professional.
The calculators, content, and results provided on Real Talk Calculators (this "Site") are intended for general educational and informational purposes only. Nothing on this Site constitutes, or should be construed as, professional financial, tax, investment, accounting, or legal advice of any kind.
Use of this Site does not create any professional advisory relationship between you and the Site owner. You should not act or refrain from acting on the basis of any information or results provided here without first seeking independent professional advice appropriate to your specific circumstances.
While we make reasonable efforts to ensure the accuracy of calculations and content on this Site, we make no representations or warranties of any kind — express or implied — regarding the completeness, accuracy, reliability, suitability, or availability of any information, calculations, or results.
Financial figures used on this Site, including but not limited to federal tax brackets, FICA rates, standard deduction amounts, and inflation rates, are based on data available as of 2024. These figures change regularly and may not reflect current law, rates, or your individual tax situation. Your actual tax liability depends on many factors including your filing status, deductions, credits, and applicable state and local laws.
Estimates produced by calculators on this Site — including time estimates for DIY projects, cost-per-visit figures for gym memberships, and habit cost projections — are based on general assumptions and illustrative examples. Actual results will vary depending on individual circumstances.
To the fullest extent permitted by applicable law, Real Talk Calculators and its owner shall not be liable for any direct, indirect, incidental, consequential, special, or exemplary damages arising out of or in connection with your use of this Site or reliance on any information, calculations, or results provided here.
This includes but is not limited to any financial losses, investment losses, tax liabilities, or other damages arising from decisions made in reliance on content from this Site.
Real Talk Calculators participates in the Amazon Services LLC Associates Program, an affiliate advertising program designed to provide a means for sites to earn advertising fees by advertising and linking to Amazon.com.
When you click on product links on this Site and make a purchase on Amazon, we may earn a small commission at no additional cost to you. This commission helps support the free operation of this Site. We only recommend products that we believe may be genuinely useful to our visitors. Our editorial content and calculator results are not influenced by affiliate relationships.
As required by the FTC, this disclosure is made clearly on each page of this Site where affiliate links appear.
This Site may contain links to third-party websites, including Amazon.com and other external services. These links are provided for your convenience only. We have no control over the content, privacy practices, or availability of those external sites and accept no responsibility for them or for any loss or damage that may arise from your use of them.
The inclusion of any link does not imply our endorsement of that site or any association with its operators.
Use of this Site does not create a client, advisory, fiduciary, or any other professional relationship between you and Real Talk Calculators or its owner. Any information you enter into calculators on this Site is processed locally in your browser and is not stored, transmitted, or retained by us.
We reserve the right to update or modify this disclaimer at any time without prior notice. Changes will be indicated by updating the "Last updated" date at the top of this page. Your continued use of the Site following any changes constitutes your acceptance of those changes.
This disclaimer shall be governed by and construed in accordance with the laws of the United States. Any disputes arising in connection with this Site shall be subject to the exclusive jurisdiction of the courts of the United States.
For financial planning and investment advice, consult a licensed financial advisor or Certified Financial Planner (CFP). For tax advice specific to your situation, consult a licensed CPA or enrolled agent. For legal advice, consult a licensed attorney in your jurisdiction.