Estimates, not advice
Quiet Zeros's calculators and templates produce mathematical estimates from the numbers you provide. They are for planning and education. They are not financial, investment, tax, or legal advice, and they are not offers or quotes. Rates, taxes, fees and terms in the real world will differ — confirm important decisions with a qualified professional or the institution involved.
As-is
The tools are provided free, as-is and as-available, without warranties of any kind, express or implied, including accuracy, fitness for a particular purpose, or uninterrupted availability. To the maximum extent permitted by law, Quiet Zeros is not liable for decisions made or losses incurred based on results from these tools.
Fair use
Use the calculators and download the templates freely, personally or commercially. Don't misrepresent the tools' output as advice from us, scrape the site abusively, or attempt to interfere with its operation.
Templates
Excel templates are free to use, modify and share. They're distributed without warranty, like everything else here.
Changes
These terms may be updated as the site grows; the date above reflects the latest revision. Continued use after a change means acceptance of the updated terms.