Terms of Use

Operator and acceptance

MonetAdvice is operated by Pavel Shareika, an individual established in Poland. By using the site, you agree to these Terms of Use. If you do not agree, do not use the site. Questions may be sent to support@monetadvice.com.

Educational information only

MonetAdvice provides general educational information and mathematical estimates. It does not provide personalized financial, legal, tax, investment, credit repair, or debt settlement advice and does not create a professional-client, lender-borrower, fiduciary, or agency relationship.

Calculator estimates

Results depend on the values you enter and the assumptions described in the Methodology. Actual lender calculations, fees, variable rates, payment allocation, billing dates, and account activity may differ. Verify important decisions against current statements and lender terms and seek qualified help when appropriate.

Payments, deadlines, and urgent circumstances

A result does not replace a statement, required minimum payment, due date, payoff quote, or instruction from a lender, bank, court, tax authority, or other relevant party. Do not skip or delay a required payment or time-sensitive action because of a MonetAdvice estimate. If you cannot make a required payment, contact the creditor promptly and consider qualified nonprofit credit counseling or legal assistance appropriate to your circumstances.

Minimum-payment scenarios

Minimum-payment formulas vary by issuer, agreement, balance category, fees, promotional terms, and applicable law. The Credit Card Minimum Payment Calculator uses the formula you select as an educational scenario. A displayed formula is not a statement of what your issuer requires. Use the formula and payment shown on your current card agreement and statement for any real payment decision.

Extra-payment and payoff-goal scenarios

The Credit Card Extra Payment Calculator compares simplified recurring payments, one-time payments, and target payoff months. A calculated required payment or displayed timing difference is an educational scenario, not a recommendation, affordability assessment, or promise that an issuer will allocate a payment in the modeled way. Before acting, confirm payment timing, allocation rules, fees, promotional terms, and payoff amounts with the card issuer.

Optional AI Insights

AI Insights may be incomplete, outdated, or incorrect and may summarize public information that does not apply to you. They do not determine eligibility, guarantee rates or savings, or replace lender disclosures. Review cited primary sources and obtain qualified advice before acting. Core calculator results remain separate from optional AI-generated text.

Savings-goal scenarios

The Savings Goal Calculator models regular contributions and optional interest using the entered expected APY and documented timing assumptions. Results do not guarantee that a goal will be reached and do not reproduce a bank's daily balance method, posting schedule, changing rate, fees, withdrawals, taxes, deposit insurance eligibility, or account terms. Verify any real savings decision against the current disclosures for the account you use.

The Emergency Fund Calculator presents expense-based coverage scenarios for educational planning. It does not determine the correct reserve for a particular household, predict emergencies, or account for every income, insurance, tax, benefit, or liquidity factor.

Saved scenarios and exports

With Functional storage enabled, a recent valid scenario may be saved on your device until you reset the calculator, disable Functional storage, clear browser data, or a software update invalidates the stored version. CSV and print outputs are convenience exports, not lender or bank statements, account records, tax records, financial projections, or proof of payment or contribution. Check exported values before relying on or sharing them.

Your information and decisions

You are responsible for the accuracy and lawful use of information you enter, and for reviewing results before acting on them. Do not enter another person's confidential financial information without authority. MonetAdvice does not verify ownership of an account, the completeness of an input, or whether a scenario is affordable or suitable.

Permitted use

You may use the site for personal, lawful, non-commercial evaluation of personal finance scenarios. You may not disrupt the service, bypass security controls, introduce malicious code, scrape the site at a rate that impairs availability, misrepresent calculator output, or use MonetAdvice branding to imply endorsement.

Intellectual property

Site design, original text, code, branding, and graphics are protected by applicable intellectual-property laws. These terms do not transfer ownership. Limited quotations and links are permitted where lawful and properly attributed.

Third-party services and links

The site may link to third-party resources or future commercial partners. MonetAdvice does not control their availability, terms, privacy practices, underwriting, prices, or decisions. A link is not a guarantee or personalized endorsement.

Availability and warranties

The site is provided on an "as available" basis. To the maximum extent permitted by law, MonetAdvice does not guarantee uninterrupted access, error-free operation, or that an estimate will match a lender's result. Nothing in these terms excludes rights or liability that cannot lawfully be excluded.

Liability

To the maximum extent permitted by applicable law, the operator is not responsible for indirect or consequential losses arising solely from reliance on an educational estimate. You remain responsible for checking inputs, lender terms, and decisions. Mandatory consumer rights and non-excludable liability remain unaffected.

Governing law

These terms are governed by Polish law, without depriving a consumer of mandatory protections available under the law of their habitual residence. Any jurisdiction clause is subject to mandatory consumer and conflict-of-law rules.

Severability

If a provision is unenforceable, it will be applied only to the lawful extent and the remaining provisions will continue to apply. Nothing in these terms waives mandatory consumer rights or limits liability where doing so is prohibited by law.

Changes

MonetAdvice may update these terms when features, business practices, or legal requirements change. The effective date will identify the latest substantive version. Continued use after an update means the revised terms apply to later use, where permitted by law.

The September 8, 2026 revision clarifies the status of payment deadlines, urgent circumstances, user-provided information, and modeled calculator outcomes.