Disclaimer

Important: Please read this before using PayoffKit.

Estimates Only

All calculator results are estimates. They are based on standard formulas and assumptions. Actual outcomes may differ due to:

• Lender-specific rules (payment application, rounding)
• Rate changes (variable loans)
• Fees, escrow, or other charges
• Your specific situation

Not Financial Advice

PayoffKit does not provide financial, tax, legal, or investment advice. Our tools are for educational and planning purposes only.

For decisions about debt, loans, or finances, consult:

• A certified financial planner
• A credit counselor
• Your lender or accountant
• A qualified attorney

No Guarantee

We do not guarantee:

• Accuracy of calculations
• That strategies will work for you
• Availability of the site
• That results match lender statements

Use at Your Own Risk

You use our site and calculators at your own risk. We are not liable for any loss or damage from reliance on our content or tools.

Verify Everything

Always verify calculator results with your lender, statements, or a professional before making financial decisions.