What is Finmato?

Finmato is a free website offering financial calculators for budgeting, loans, retirement planning, taxes, and investments. All calculators run in your browser and don't require registration.

Is Finmato really free?

Yes! All calculators are completely free. We display advertisements to cover costs, but you'll never be charged to use any feature.

Do I need to create an account?

No. All calculators work without registration. You can save data locally in your browser using the "Save" feature, but no account is required.

Do you store my financial data?

No. All calculations happen in your browser. We never collect, store, or transmit your financial information to our servers. When you use "Save," data is stored locally in your browser only.

Is my data secure?

Yes. Since your data never leaves your device, it's as secure as your computer or phone. Clear your browser data to remove any saved calculator information.

What data do you collect?

We collect anonymous usage data through Google Analytics (page visits, browser type, etc.) and display ads through Google AdSense. See our Privacy Policy for details.

Are the calculator results accurate?

We strive for accuracy, but we cannot guarantee results. Tax laws, interest rates, and regulations change frequently. Always verify calculations with licensed professionals and official sources.

Are tax rates and contribution limits current?

Not always. Our calculators may use data from previous years (typically 2024). Tax brackets, contribution limits, and deductions change annually.

Always verify with IRS.gov or a tax professional before making decisions.

Can I rely on these calculators for tax filing?

No. Our calculators are for estimation and education only. Use professional tax software or consult a CPA for actual tax preparation.

What if I find an error?

Please contact us to report errors. However, we are not liable for any losses resulting from calculator errors or outdated data.

Can you provide financial advice?

No. We are NOT financial advisors, tax professionals, or attorneys. We provide calculators for educational purposes only.

Who should I consult for financial advice?

Consult licensed professionals:

• Financial Advisors (CFP, CFA): Investment and retirement planning
• Tax Professionals (CPA, EA): Tax planning and preparation
• Attorneys: Legal matters and estate planning
• Mortgage Brokers: Home loans and refinancing

Can I use these calculators professionally?

Our calculators are for personal educational use only. Financial professionals should use industry-standard tools and software, not free online calculators.

Do calculators work on mobile?

Yes! All calculators are mobile-friendly and work on phones, tablets, and desktops.

Can I export my results?

Yes. Most calculators have an "Export" button to download results as PDF or CSV files.

Why do I see advertisements?

Ads (via Google AdSense) help us keep the site free. We don't endorse advertised products, and ads don't influence calculator results.

Are you responsible if I make a bad financial decision?

No. You are solely responsible for your financial decisions. We provide tools for education only and are not liable for any losses, tax penalties, or other consequences.

What if calculator results are wrong?

We are not liable for inaccurate results, outdated data, or any damages arising from calculator use. See our Disclaimer and Terms of Service.

Can I sue Finmato?

Our Terms of Service include arbitration clauses and liability limitations. By using our site, you agree to these terms. Maximum liability is capped at $100 USD.