Disclaimer

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The calculators and tools on Idle & Awake Tools are provided for general information and educational purposes only.

Not professional advice

Nothing on this site is financial, investment, tax, legal, medical or other professional advice. Calculator results are estimates based on the values you enter and the assumptions described on each page. Real-world outcomes depend on factors a calculator cannot know, such as fees, taxes, lender policies, market movements and changes in the law.

Before making financial, legal or health decisions, consult a qualified professional who can consider your full situation.

Investment calculators

Projections of investment growth, returns or retirement outcomes are hypothetical. Past performance does not guarantee future results, and any backtest or simulation shows what would have happened under stated assumptions, not what will happen.

Free service, used at your own risk

These tools are offered free of charge, with no warranty of any kind. You use them at your own risk, and we are not liable for any loss or damage resulting from a result you relied on. See section 5 of our Terms of Use for the full limitation of liability.

Accuracy

We test our calculation logic and review pages regularly (see how we verify tools), but errors can occur and data such as tax rates or exchange rates may become outdated. If you spot a problem, please let us know.

Some pages link to products on Amazon. As an Amazon Associate I earn from qualifying purchases; buying through these links costs you nothing extra. We link to categories and books that fit the page you are reading; we do not show prices here because they change, and a link is not a guarantee that a product suits you.

Links to third-party websites and advertisements shown on this site are not endorsements. We are not responsible for the content, products or services of third parties.