Disclaimer & Terms of Use

Effective September 27, 2026

Not financial advice

LifeCalculator provides general information and estimates for education and planning. It is not financial, investment, tax, legal or insurance advice, and it does not recommend any product, loan or investment. Your situation is unique. Before making important decisions, talk with a qualified professional such as a certified financial planner, tax preparer or attorney.

Estimates only

Results depend on the numbers you enter and on assumptions such as interest rates, investment returns, inflation and price growth. Real outcomes will differ. Investment returns are never guaranteed, and past performance does not predict future results.

Family budget estimates come from public averages: BEA Regional Price Parities (2024), USDA Food Plans (August 2026), the BLS Consumer Expenditure Survey (2024), Census median gross rent (2024) and Child Care Aware of America's 2025 price report. Averages can differ widely from what you actually pay where you live.

No warranty

The site and downloadable workbooks are provided "as is", without warranties of any kind. We try to keep formulas and data accurate but do not guarantee that they are error-free or current. To the fullest extent the law allows, [YOUR NAME OR BUSINESS] is not liable for any loss arising from use of the site.

Advertising

The site shows ads served by Google. Ads are not endorsements. We do not control their content and are not responsible for products or services they offer.

Use of the site

You may use the calculators and workbooks for personal, non-commercial purposes. Please don't copy the site or scrape it at scale.

Contact

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