Terms of Use
Last updated: June 26, 2026
By using RateCrossover, you agree to these terms. If you do not agree, please do not use the site.
Acceptance of terms
By accessing or using this website, you acknowledge that you have read, understood, and agree to be bound by these Terms of Use. We reserve the right to update these terms at any time. Continued use of the site after changes are posted constitutes acceptance of the revised terms.
Purpose and limitations
RateCrossover provides a free, browser-based calculator that compares the mathematical cost of paying off debt versus investing. The calculator is an informational tool only. It does not constitute financial, investment, tax, or legal advice. You should independently verify all costs, rates, and tax implications before making financial decisions.
No professional advice
We are not licensed financial advisors, tax professionals, or attorneys. Nothing on this site should be interpreted as professional financial advice. We strongly recommend consulting with a qualified financial professional before making decisions based on the calculator's output.
Accuracy of information
We make reasonable efforts to ensure the calculator's formulas and reference data (such as tax brackets) are current and accurate. However, we make no guarantees regarding the accuracy, completeness, or timeliness of any information on this site. Tax brackets are updated annually based on IRS published rates; verify current rates at IRS.gov .
Affiliate links and advertising
This site contains affiliate links to third-party financial products. If you click an affiliate link and subsequently open an account or apply for a product, we may receive a referral fee at no additional cost to you. Affiliate compensation does not influence our calculator's math, formulas, or recommendations. Our results are determined solely by the rates you enter.
Privacy
Your use of this site is also governed by our Privacy Policy, which describes how we handle cookies, analytics, and data collection.
Intellectual property
All content on this site, including text, design, code, and graphics, is the property of RateCrossover and is protected by applicable copyright laws. You may not reproduce, distribute, or create derivative works from this content without prior written permission.
Limitation of liability
RateCrossover and its operators shall not be liable for any direct, indirect, incidental, consequential, or punitive damages arising from your use of this site or reliance on its calculator output. The site is provided "as is" without warranties of any kind, express or implied.
Changes to these terms
We may revise these terms at any time by updating this page. The "Last updated" date at the top reflects the most recent revision. Your continued use of the site after any changes constitutes acceptance of the updated terms.
Governing law
These terms are governed by and construed in accordance with the laws of the State of California, without regard to conflict of law principles.