Last updated: November 4, 2026
Welcome to FOC – Free Online Calculators. By accessing or using this website you agree to these Terms & Disclaimer. If you do not agree, please do not use the site.
For information only
All calculators, articles and tools on this site are provided for general information and educational purposes only. Results are estimates based on the numbers you enter and on standard formulas.
Not financial, legal or tax advice
Nothing on this site is financial, investment, legal, tax or other professional advice. We are not a bank, lender, broker or financial adviser. Before making any financial decision, please confirm figures with your lender, provider or a qualified professional.
No guarantee of accuracy
We work hard to make our calculators correct and our content up to date, but we make no warranty that the site is accurate, complete, current or error-free. Actual results can differ because of fees, taxes, rounding, changing rates and the specific terms of your agreement.
Limitation of liability
To the fullest extent permitted by law, FOC and its owners are not liable for any loss or damage of any kind arising from your use of, or inability to use, the site or from reliance on any result or information found here.
Advertising and third-party links
The site displays advertising, including ads served by Google AdSense, and may link to third-party websites. We do not control and are not responsible for the content, products or practices of advertisers or other sites. See our Privacy Policy for details about cookies and advertising.
Intellectual property
The site design, text, code and other content are owned by FOC or its licensors and are protected by applicable laws. You may share links to our pages. You may not copy, republish or resell our content or calculators without written permission.
Acceptable use
Please do not misuse the site, attempt to disrupt it, or use automated tools to copy it in bulk.
Changes to these terms
We may update these terms at any time. The date at the top shows the latest revision. Continued use of the site means you accept the updated terms.
Contact
Questions about these terms? Please use our Contact page.