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Terms of Service

Last updated: May 19, 2026

Acceptance of terms

By accessing or using Credit Card Debt Payoff Calculator at creditcarddebtpayoffcalculator.com, you agree to be bound by these Terms of Service.

Description of service

Credit Card Debt Payoff Calculator is a free online tool that helps users plan credit card debt repayment using snowball, avalanche, or emotional priority methods. All calculations are performed within the user's browser.

Accuracy of results

The calculations produced by this tool are based on standard financial formulas and the values you enter. Results are estimates, not guarantees. The simulation assumes fixed interest rates and fixed minimum payments for the entire repayment period.

No financial advice

Nothing on this site constitutes financial, investment, or legal advice. You should not rely solely on this tool when making financial decisions. Consult a qualified financial professional before making debt repayment decisions.

Acceptable use

You may use this tool for personal or educational purposes. You agree not to use automated tools to scrape the site or attempt to disrupt its infrastructure.

Intellectual property

The content, design, and code of this site are owned by MoneyWise Calculators and are protected by copyright laws.

Disclaimer of warranties

This site is provided "as is" without warranties of any kind. We do not warrant the accuracy or completeness of any information provided.

Limitation of liability

MoneyWise Calculators shall not be liable for any damages arising from your use of this site or tool, including any financial loss resulting from decisions made based on tool outputs.

Third-party services

This site uses Google AdSense and Google Analytics. Your interaction with these services is governed by Google's terms.

Changes to these terms

We may modify these terms at any time. Your continued use of the site constitutes acceptance of updated terms.