Terms of Service

Last updated: May 7, 2026

1. Acceptance of Terms

By using MoneyPencil, you agree to these Terms of Service. If you do not agree, please do not use the site.

2. Not Official Government Tools

MoneyPencil is an independent website and is not a lender, tax preparer, insurer, or financial advisor. Our calculators provide estimates only. Always verify important decisions with authoritative sources:

• IRS.gov for tax rules and Form 1040-ES
• CFPB for mortgage guidance
• Your loan servicer, tax professional, or a licensed insurance agent

3. Free to Use

All calculators on MoneyPencil are free to use. No account required. No payment necessary.

4. No Warranty

Calculations are provided "as is" without warranty of any kind. We strive for accuracy but cannot guarantee results. Always consult official sources before making financial decisions.

5. Privacy

We don't collect personal data. See our Privacy Policy for details.

6. Changes to Terms

We may update these terms. Continued use after changes constitutes acceptance.

7. Contact

Questions? Contact us at [email protected].