By using payoff.tips (the "Site"), you agree to these terms. If you do not agree, please do not use the Site.
1. What this tool is — and isn't
Payoff is a free educational calculator. It produces mathematical estimates of loan amortization, extra-payment scenarios, and rent comparisons based solely on the numbers you enter and standard fixed-rate amortization formulas.
It is not financial, investment, legal, tax, or lending advice — it is for general information only. We are not a lender, broker, or financial advisor, and nothing on the Site constitutes a recommendation to borrow, prepay, refinance, rent, buy, or invest. Real loans involve factors this tool does not model — variable rates, fees, escrow, taxes, insurance, PMI, prepayment penalties, and lender-specific rounding — and every financial decision carries investment and other risks. You are strongly encouraged to consider those risks carefully, verify all figures with your lender, and consult a qualified financial advisor, tax professional, or attorney before making any financial decision.
2. Accuracy of results
We work to keep the math correct, but all results are estimates provided "as is" without warranty of any kind, express or implied — including warranties of accuracy, merchantability, or fitness for a particular purpose. Your lender's actual figures govern; where this tool and your loan documents disagree, your loan documents win.
3. Acceptable use
You may use the Site for personal, educational, and internal business purposes. You agree not to attempt to disrupt the Site, misrepresent its output as professional advice to others, or remove attribution when sharing its results.
4. Intellectual property
The Site's design, text, and code are owned by the Site's operator. You may link to payoff.tips freely and share screenshots or exported CSV files of your own calculations.
5. Limitation of liability
To the maximum extent permitted by law, the Site's operator shall not be liable for any indirect, incidental, consequential, or special damages — including financial losses or decisions made in reliance on the Site's output — arising from your use of the Site. Your sole remedy for dissatisfaction with the Site is to stop using it.
6. Advertising
The Site displays third-party advertisements served by Google and its partners. We do not select, endorse, or guarantee any advertised product or service — including financial products. An ad's appearance on the Site is not a recommendation, and any dealings between you and an advertiser are solely between you and that advertiser. Ad cookies and personalization choices are described in our Privacy Policy.
7. Third-party links
The Site may link to third-party websites (for example, font providers or related tools). We are not responsible for their content or practices.
8. Changes
We may update the Site or these terms at any time. Continued use after changes are posted constitutes acceptance. The "last updated" date above reflects the current version.
9. Contact
Questions about these terms? Reach out through the Support us page.