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Disclaimer

Not financial advice. The calculators, articles and spreadsheets on PayoffWorks are general planning tools. They are not financial, lending, investment, tax, accounting or legal advice, and they don't create any advisory relationship.

Estimates only. Results depend entirely on the numbers you enter and on simplifying assumptions explained on each page, such as simple daily interest, level payments and even cost allocation. Real loans differ in day-count methods, fees, payment application, rate changes and rounding. Your lender's statements and payoff quotes are the official numbers.

Check before you act. Talk with your lender, landlord, tax preparer or a qualified advisor before making borrowing, purchasing, leasing, marketing or payment decisions.

No warranty. We work to keep the formulas correct, but the tools are provided as-is, without guarantees of accuracy or fitness for a particular purpose, and we aren't liable for decisions made using them.

Examples are fictional. All example numbers, names and farms on this site and in the spreadsheets are made up for illustration.