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smartfin.fyi
Simulators
All Investing Tools Investment Growth Calculator Compound Interest Calculator CAGR Calculator Rule of 72 Inflation Calculator
All Retirement Tools FIRE Calculator Withdrawal Calculator
All Loan Tools Mortgage Calculator Car Loan Calculator Student Loan Calculator Refinance Calculator

Terms & Conditions

Last updated September 1, 2026

These Terms of Service ("Terms") govern your use of smartfin.fyi, operated by SmartFin ("we," "us," "our," or "the Service").

Short version: smartfin.fyi is a free set of educational calculators and a historical investment simulator. Nothing on this site is financial, investment, tax, or legal advice, and past or simulated results don't predict future performance. Use it to learn and explore, not as the basis for a real investment decision.

1. Acceptance of terms

By accessing or using smartfin.fyi, you agree to be bound by these Terms. If you don't agree, please don't use the Service.

2. What the site is

smartfin.fyi is a free, informational set of financial calculators and an investment simulator. There are no accounts and no signup required to use any part of the Service. CSV files you upload to the Simulator are read in your browser and are not transmitted to us.

3. Not financial advice

Every calculation on this site is illustrative. Each one runs on historical data or on figures you enter yourself, and none of it is advice. Consult a qualified professional before making a financial decision.

4. No guarantee of accuracy

Data shown on the Service is sourced from third-party providers, and we do not guarantee it is accurate, complete, or up to date. Calculations are based on historical patterns, which do not predict future results. The Service is provided "AS IS" and "AS AVAILABLE", without warranty of any kind, express or implied.

5. Limitation of liability

To the fullest extent permitted by law, smartfin.fyi and its operator are not liable for any direct, indirect, incidental, or consequential damages arising from your use of the Service or reliance on any calculation or result it produces.

6. Acceptable use

You may not attempt to disrupt the Service, abuse its API endpoints, scrape data at scale, or use the Service for any unlawful purpose.

7. Intellectual property

The Service's design, code, and original content belong to its operator. This does not extend to third-party data, such as stock prices, which remains the property of its respective providers.

8. Changes to these terms

We may update these Terms as the site evolves. Material changes will be reflected by updating the "Last updated" date above. Continued use of the Service after a change means you accept the revised Terms.

9. Governing law

These Terms and any dispute arising from your use of the Service are governed by and construed in accordance with the laws applicable in the jurisdiction where the Operator is based, without regard to its conflict of law principles, and are subject to the exclusive jurisdiction of the courts of that jurisdiction.

10. Contact

For questions about these Terms, email contactus@smartfin.fyi.

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