Terms of Service

Agreement

By using WTF Is This Budget ("the Site," "we," "us," "our"), you agree to these terms. If you don't agree, don't use the site. We're not going to hide this behind a pre-checked checkbox or a 90-page document that requires a law degree.

These terms are a legal agreement between you and Tier 4 Support, Inc. We've written them in plain language because we think you deserve to actually understand what you're agreeing to. The legal substance is real even if the tone isn't what you'd expect from a corporate lawyer.

Using the Site

WTF Is This Budget is a collection of free financial calculators. You type in numbers, the calculator crunches them, and you get a reality check. Everything runs in your browser — no accounts, no sign-ups, no data sent anywhere.

Here's what we ask of you:

• • Don't use the site for anything illegal. We're a calculator site, not a financial planning loophole.
• • Don't try to hack, scrape, or otherwise mess with our systems. We're a small team and we'd really rather spend our time building more calculators.
• • Don't abuse the site in ways that degrade it for other users. You know what we mean.

Our Service

We provide free financial calculators. Here's what that means and what it doesn't:

• • We are not financial advisors. We help you see the math behind your spending. We don't tell you what to do with your money. Don't make major financial decisions based solely on what a calculator says.
• • We aim for accuracy, but we're not perfect. Calculations are provided on a best-effort basis. Always verify important numbers independently.
• • Everything is free. No paid plans. No premium tier. No "unlock advanced features" upsell. The calculators are free, forever.
• • We may change features. We're constantly adding new calculators and improving existing ones. Features might change or get better over time.

Your Data

There is no "your data" because we don't collect any. Every calculation runs entirely in your browser. The numbers you type in never leave your device. We don't store them, transmit them, or even know they exist.

No account means no data to protect, export, or delete. It's the simplest privacy model possible: we have nothing because we collect nothing.

Third Parties

The site is served through Cloudflare for DNS and CDN. That's standard web infrastructure — it delivers the pages to your browser quickly and securely. Cloudflare may process standard connection metadata (IP address, request headers) as part of delivering the site, subject to their own privacy policy.

That's it. No analytics services. No ad networks. No data brokers. No "partners."

Disclaimers

The Site is provided "as is" and "as available" without warranties of any kind, either express or implied, including but not limited to implied warranties of merchantability, fitness for a particular purpose, and non-infringement.

In plain English: We work hard to make the calculators accurate, but we can't guarantee perfection. Math formulas model reality — they don't replace professional financial advice.

We are not responsible for any financial decisions you make based on calculator results. We show you numbers. What you do with those numbers is your call.

Limitation of Liability

To the maximum extent permitted by applicable law, Tier 4 Support, Inc. and its team shall not be liable for any indirect, incidental, special, consequential, or punitive damages, or any loss of profits or revenues, whether incurred directly or indirectly, resulting from your use of or inability to use the Site.

Since the site is entirely free, our total liability is zero. We know. We've thought about this.

Changes to These Terms

We may update these terms from time to time. When we do, we'll update the "Effective" date at the top of this page. Since we don't have your email (or anything else), checking this page is the way to stay current. Continued use of the Site after changes means you accept the new terms.

Contact

Questions about these terms? Think we missed something?

Reach us through our contact form

Yes, a real person reads these emails. We're a small team and we take this seriously.