Financial & Educational Disclaimer

Educational Purposes Only

All information, articles, examples, calculations, projections, charts, reports, and other materials available through ProMoney are provided for general informational and educational purposes only.

They do not constitute financial, investment, tax, accounting, legal, credit, insurance, or other professional advice.

No Investment Recommendation

Nothing on ProMoney constitutes a recommendation or solicitation to buy, sell, hold, or otherwise transact in any security, investment, financial product, insurance product, or other asset.

References to investments, markets, account types, financial strategies, or financial products are provided for educational purposes unless expressly stated otherwise.

Calculator Results and Projections

Results produced by ProMoney calculators are estimates based on the information entered by the user and assumptions built into the applicable calculation.

Calculations may rely on simplified assumptions.

Projected values are hypothetical and are not guarantees of future results.

Actual outcomes can differ due to factors including:

• investment returns;
• market volatility;
• taxes;
• fees and expenses;
• inflation;
• interest-rate changes;
• contribution or withdrawal timing;
• changes in income or expenses;
• changes in laws and government programs; and
• individual financial circumstances.

Compound Growth Calculator

The Compound Growth Calculator demonstrates how hypothetical deposits, contribution schedules, time periods, and growth rates can affect projected values.

The growth rate entered into the calculator is an assumption selected by the user. It is not a prediction or guarantee of an investment return.

The calculator should not be interpreted as an investment performance illustration for a particular security or product unless expressly identified as such.

Monthly Budget Planner

The Monthly Budget Planner organizes information entered by the user and generates summaries and educational observations based on that information.

Budget-health classifications, savings rates, spending allocations, and educational insights are simplified planning indicators. They do not determine whether a particular financial strategy is appropriate for an individual.

Mortgage Calculator

Mortgage Calculator results are hypothetical educational estimates based on user-entered assumptions. They do not represent a mortgage offer, approval, qualification, affordability assessment, guarantee, or lending commitment from any lender or financial institution.

Actual lender calculations, rates, payments, renewal terms, and prepayment privileges may differ. Users should review their mortgage agreement and obtain qualified advice before making borrowing or prepayment decisions.

Accuracy

We make reasonable efforts to build useful tools and provide accurate information, but errors, omissions, outdated information, software defects, or calculation issues may occur.

Users should independently verify information that is important to a financial decision.

Your Decisions Are Your Responsibility

Every person’s financial situation, objectives, risk tolerance, tax circumstances, and needs are different.

You are responsible for decisions made using information obtained through ProMoney.

Before making significant financial, investment, borrowing, tax, insurance, or legal decisions, consider obtaining advice from an appropriately qualified professional who can assess your individual circumstances.

No Guarantee

ProMoney does not guarantee financial outcomes, investment performance, savings results, debt reduction, tax outcomes, or achievement of financial goals.

Past performance, where referenced, does not guarantee future results.