Terms of Service — To Zero

Last updated: May 2, 2026.

By using this Service, you agree to these terms.

Use of the Service

You must be 13 years or older to use this Service. Use of the Service is at your sole risk.

This Service does not provide financial advice. All calculations are for educational and illustrative purposes only. Please consult a qualified financial professional before making debt repayment decisions.

No Data Storage

This Service does not store any data you enter. All calculations happen locally in your browser. Shared plans are encoded in the URL only and are never transmitted to or stored by us.

Disclaimer of Warranties

The Service is provided "as is" and "as available," without warranty of any kind. We do not warrant that the Service will be accurate, uninterrupted, or error-free. You assume full responsibility for any decisions made based on results from this calculator.

Limitation of Liability

We are not liable to you or any third party for any loss, damages, or expenses arising from your use of the Service, including any financial decisions made based on its output. Our liability is limited whether or not we have been informed of the possibility of such damages.

Personal Use

This Service is for personal, non-commercial use only. You may not modify, copy, distribute, or create derivative works from the Service without permission.

Changes to These Terms

We may update these terms at any time. Continued use of the Service after changes are posted constitutes acceptance of the updated terms.