Financial Disclaimer
Read this before you use the app. By using it, you agree to everything here. This is part of our Terms of Use.
The honest limits of what's here
Everything in this app — every label, note, example, and calculated figure — is the opinion of the author, provided for general information and personal use only. It is not professional advice and is not a substitute for a qualified professional who knows your specific situation.
Every effort is made to keep what's here accurate. Even so, Apps 4 That LLC and the authors of this app can't be responsible for any errors or omissions, or for how anyone else applies or interprets it — and we disclaim any and all liability that may be claimed to arise from reliance on the information or commentary here.
When in doubt, consult a qualified professional — such as a licensed financial advisor, CPA, or tax professional — about your own situation and any specific financial question you may have.
This is not financial advice
This app is a simple tool to help you organize and estimate your own numbers. It is not financial, investment, tax, accounting, legal, or any other professional advice, and it is not a recommendation to take (or not take) any financial action. Using it does not create an advisor-client or any other professional relationship.
We are not your financial advisor, accountant, tax preparer, broker, or fiduciary. Apps 4 That LLC is a software studio, not a licensed financial firm.
The numbers are general estimates
Anything the app calculates, projects, categorizes, or displays — totals, budgets, forecasts, percentages, "left to spend," and the like — is a general estimate based only on what you enter. It may be incomplete, simplified, or wrong for your situation. It does not account for everything (for example, taxes, fees, interest, inflation, your full financial picture, or future changes). Past or projected figures don't guarantee any future result.
Verify before you act
Before you make any financial decision, verify the numbers and get advice from a qualified professional — such as a licensed financial advisor, CPA, or tax professional — who knows your full situation. Don't rely on this app as your only source. You are responsible for your own due diligence.
You are responsible for your decisions
You are solely responsible for your financial choices and their outcomes, including any money you spend, save, budget, or invest based on this app. Results vary, and nothing here is guaranteed. The app is provided "AS-IS," with no warranties of any kind, including no warranty that any figure is accurate (see the Terms of Use).
No liability for financial decisions
To the fullest extent allowed by law, Apps 4 That LLC and its owner, members, and affiliates are not liable for any loss, damage, cost, or harm of any kind — including lost money, missed opportunities, tax consequences, or other financial loss — that results from your use of this app or from any decision based on it, including claims based on negligence. Your use of the app and any financial decision is at your own risk. (This works together with the limitation-of-liability and indemnification sections of our Terms of Use.)