Effective Date: January 1, 2026
The information provided by loanpayoffcalc.com (“we,” “us,” or “our”) on loanpayoffcalc.com (the “Site”) and through our Loan Payoff Calculator is for general informational purposes only. All information and calculations on the Site are provided in good faith, however, we make no representation or warranty of any kind, express or implied, regarding the accuracy, adequacy, validity, reliability, availability, or completeness of any information or calculations.
1. Professional Financial Disclaimer
A. Not Professional Advice
The Site and the Loan Payoff Calculator do not offer professional financial, legal, tax, or investment advice.
The calculator provides mathematical projections based on standard amortization schedules and the data inputs provided by the user. These results are illustrative and designed to assist with personal financial modeling and strategy.
B. Seek Professional Guidance
Always consult with a licensed financial professional, certified public accountant (CPA), or other qualified advisor before making any significant financial decisions, especially regarding your mortgage, auto loan, or other major debts.
We strongly advise you to seek independent professional advice before acting upon any information provided by this calculator.
2. Calculation Accuracy and Data Input
A. Reliance on User Data
The accuracy of the Loan Payoff Calculator’s output is entirely dependent on the accuracy of the data you input (e.g., current principal balance, APR, term). If your input data is incorrect, the calculation will be incorrect.
B. Official Figures
The official balance and payoff amount for any loan must be obtained directly from your bank, credit union, or loan servicer. The results from this calculator are not official and should not be used as official documentation for legal or financial transactions.
C. Assumptions
Our calculator makes standard assumptions (such as consistent payment timing and fixed interest rates) and may not account for real-world variables like:
- Prepayment penalties or fees charged by your lender.
- Changes in variable interest rates (if your loan is adjustable).
- Escrow payments or taxes not included in your principal/interest calculation.
3. External Links Disclaimer
The Site may contain links to other websites or content belonging to or originating from third parties. Such external links are not investigated, monitored, or checked for accuracy, adequacy, validity, reliability, availability, or completeness by us. We do not warrant, endorse, guarantee, or assume responsibility for the accuracy or reliability of any information offered by third-party websites linked through the Site.
4. Limitation of Liability
Under no circumstance shall we have any liability to you for any loss or damage of any kind incurred as a result of the use of the Site or reliance on any information or calculation provided on the Site. Your use of the Site and your reliance on any information is solely at your own risk.
Contact Us
If you require any more information or have any questions about our site’s disclaimer, please feel free to contact us.