Terms of Service
By using Smart Debt Calculator you agree to these terms.
Use of the service
The calculators are provided free of charge for personal, non-commercial use. You may not scrape, resell, or republish the tools without permission.
No financial advice
All results are estimates for general guidance only and do not constitute financial, legal, or tax advice. See our Disclaimer.
No warranty
The service is provided "as is" without warranties of any kind. We are not liable for any decisions made based on the results.
Donations
Donations are voluntary, non-refundable contributions to support the site's running costs.