Terms of use

Estimates, not advice

Our calculators, data pages and guides provide estimates and general information for planning and education. They are not financial, tax, investment, legal or career advice, and they don't guarantee any pay, tax, benefit or other outcome. For decisions with significant consequences, consider talking to a qualified professional. See our disclaimer.

Accuracy

We work hard to be accurate and to show our sources and methods, but data can contain errors, rules change, and your situation may differ from the assumptions shown. You use the results at your own judgement.

Third-party data and links

Some pages use data published by U.S. government agencies and other organizations, credited where used; those organizations don't endorse this site. Links to other websites are for your convenience: we don't control and aren't responsible for their content or practices.

Advertising

The site may show advertising served by third parties such as Google. Ads are labelled and don't mean we endorse the product or service advertised. Your dealings with an advertiser are between you and the advertiser.

Using our content

The text, calculators and design of this site belong to Work & Money. You're welcome to link to any page and to quote short passages with a link back. Where a page says so, data is offered under an open license (for example, our data studies' CSV files under Creative Commons Attribution 4.0), and our embeddable calculators may be placed on other sites under the terms on that page. Please don't copy whole pages or present our content as your own.

Acceptable use

Please don't attempt to disrupt the site, access it in ways that place an unreasonable load on it, or scrape it at scale.

Limitation of liability

The site is provided "as is", without warranties of any kind. To the fullest extent permitted by law, Work & Money isn't liable for any loss or damage arising from your use of the site or reliance on its results.

Changes and contact

We may update the site and these terms; the date above shows the latest version. Questions? email contact@workmoneyguide.com.