Disclosures

Last updated: May 2026.

Affiliate links

Some outbound links to lenders earn me a small commission if you end up applying. Networks I work through (or am applying to): Bankrate / FlexOffers / Impact / Sovrn, plus Amazon Associates if I ever link a book or related product on a guide page. If a link is a commission link, I'll say so on the page.

A safe default: if a link goes directly to a lender, assume it could be a commission link.

What that means for editorial

I don't take payment to recommend a specific lender. If I name one, it's because their numbers or terms actually fit the article. If the best option isn't in any affiliate program I'm in, the article will just say so.

Not financial advice

I'm not a licensed advisor, broker, or lender. Anything on this site is general — your actual loan terms, your credit, and your situation aren't in this calculator. Confirm details with your lender and a licensed advisor before any real decision.

Ko-fi tips

The Ko-fi link in the footer is a tip jar. Tips are voluntary, they don't unlock anything, and the calculator stays free regardless.

Questions

About a specific disclosure or affiliate link: admin@payoffmath.com.