Terms of Use
Effective July 15, 2026
By using Lending Calculator (lendingcalculator.net), operated by Pond Software, you agree to these terms. They're short and written in plain English.
Information only — not financial advice
Everything on this site — the calculators, the schedules, and the guides — is provided for general informational and educational purposes. It is not financial, mortgage, tax, investment, or legal advice, and using the site does not create any professional or advisory relationship. We are not a lender, mortgage broker, or financial advisor, and nothing here is an offer of credit or a commitment to lend. Before making a decision about a mortgage or any other loan, consult a qualified professional who can review your specific circumstances.
Accuracy of results
Our calculators use standard, published formulas and the inputs you provide. Real loans involve variables a calculator can't know — your exact rate, lender fees, property taxes, insurance, PMI, HOA dues, rounding conventions, and how interest is compounded. As a result, every figure on this site is an estimate and may differ from the actual numbers a lender gives you. We work to keep the math and any reference data correct, but we make no warranty that results are accurate, complete, or current, and you should verify anything important against an official quote or statement before relying on it.
Acceptable use
You're welcome to use the calculators and read the guides for your own personal planning. Please don't attempt to disrupt the site, scrape it at a scale that degrades service for others, or republish its content as your own. The site's content, design, and code are owned by Pond Software and provided for your personal use.
Third-party links
Some pages link to other websites, including books on Amazon through our affiliate program. We don't control those sites and aren't responsible for their content or practices. See the affiliate disclosure and privacy policy for details.
Limitation of liability
The site is provided "as is," without warranties of any kind. To the fullest extent permitted by law, Pond Software is not liable for any loss or damage arising from your use of — or reliance on — the tools, content, or estimates on this site. Any financial decision you make is your own.
Changes to these terms
We may update these terms from time to time. When we do, we'll revise the effective date above. Continuing to use the site after a change means you accept the updated terms.
Contact
Questions about these terms? Email hello@lendingcalculator.net or use the contact page.