Disclaimer

2026-07-03

WorthCalc's calculators are for general informational purposes only and do not constitute financial, investment, tax, legal, or other professional advice. Results are estimates only, not investment or financial advice — every calculator on this site simplifies a real-world decision into a set of formulas and the numbers you provide.

Estimates, not guarantees

Every calculator — including the installment true APR tool, subscription audit, Costco membership break-even, EV vs. gas TCO, rent vs. buy, commute cost comparison, latte factor, and cashback break-even — relies on simplified assumptions that are documented on each tool's page (for example, a fixed investment return rate or a flat annual price increase). Real-world outcomes depend on factors these calculators cannot know: future interest rates, market performance, inflation, your personal credit terms, promotional changes, and more. Small changes in assumptions can meaningfully change the result.

Not financial or investment advice

Nothing on this site should be interpreted as a recommendation to buy, sell, borrow, lease, subscribe to, or cancel any specific product, service, security, or financial instrument. Before making a significant financial decision — taking on debt, buying a home, purchasing a vehicle, or signing a membership contract — consider speaking with a licensed financial advisor, accountant, or other qualified professional who can review your complete financial situation.

No professional relationship

Using WorthCalc does not create an advisory, fiduciary, or professional relationship between you and the site operator. We are not a bank, lender, broker-dealer, registered investment advisor, or insurance provider.

Accuracy

We try to keep the underlying math correct and the default values reasonable, but accuracy is not guaranteed. Public figures referenced on tool pages (such as membership fee ranges) are approximate and may change over time; always verify current pricing and terms with the relevant provider before relying on a calculator's output for a real decision.