The fine print, kept readable.

Methodology

ClearWorth calculators use simplified planning models. They are meant to make tradeoffs easier to understand, not to replace official calculators, payroll systems, lenders, brokerages, tax software, or professional advice.

Investment calculations

Investment growth estimates use compound growth based on user inputs for starting balance, contribution amount, contribution frequency, annual return, inflation, and time period. Actual investment returns are uncertain and can be negative.

Paycheck calculations

Paycheck estimates use simplified federal, state, local, FICA, and deduction assumptions. Local tax coverage is incomplete and should be verified with official state, county, city, and employer payroll sources.

Mortgage calculations

Mortgage estimates use standard amortization math and planning assumptions for property tax, insurance, HOA, PMI, and extra principal payments. Real lender quotes and escrow figures can differ materially.

Portfolio calculations

Portfolio allocation estimates rely on user-entered holdings and prices, with best-effort public quote lookup where available. Quotes may be delayed or unavailable.

Disclaimer

ClearWorth provides calculators, estimates, and educational content for general informational purposes. Nothing on this site is financial, investment, tax, legal, mortgage, insurance, accounting, or other professional advice.

Calculator outputs depend on the inputs, assumptions, and data available at the time. Tax rates, limits, market data, interest rates, insurance costs, property taxes, and local rules can change. Verify results with official sources or a qualified professional before making financial decisions.

ClearWorth does not guarantee investment performance, tax outcomes, loan eligibility, paycheck withholding accuracy, insurance pricing, home affordability, market data accuracy, or any specific financial result.

Affiliate Disclosure

ClearWorth may eventually include affiliate links, referral links, sponsored placements, or advertising. If you click a link or sign up for a product through one of those links, ClearWorth may earn compensation at no additional cost to you.

Compensation should not determine whether a product is mentioned or how a concept is explained. ClearWorth aims to present useful, clear, and practical information, but you should compare products and read official terms before signing up for anything.

At launch, ClearWorth may not have active affiliate relationships. This section exists so the site is ready to disclose those relationships clearly when they are added.

Privacy Policy

ClearWorth is a static website that provides calculators and educational content. The site stores limited preferences in your browser, such as theme choice, uses Google Analytics 4 to understand aggregate site usage, and may use third-party public data endpoints for some calculator features.

Calculator inputs are processed in your browser. ClearWorth does not currently create user accounts or intentionally store your calculator inputs on a server.

Some features may request public data from third-party services, such as quote or ZIP-code lookup endpoints. Google Analytics 4 may collect information such as pages visited, device/browser details, approximate location, referral source, and interaction events. If ads, affiliate tools, or embedded services are added later, this policy should be updated to describe those providers.

ClearWorth may use browser local storage for preferences. Google Analytics may use cookies or similar technologies to measure traffic and understand how visitors use the site.

For privacy questions, contact mohnish59@gmail.com.

Terms of Use

By using ClearWorth, you agree to use the site for general educational and informational purposes only. You are responsible for verifying any calculation, estimate, or content before relying on it.

ClearWorth does not provide professional financial, tax, legal, investment, mortgage, or insurance advice. Consult qualified professionals for advice specific to your circumstances.

ClearWorth may change, break, or become unavailable. Data sources can be delayed, incomplete, or inaccurate. The site is provided without warranties of any kind.

To the fullest extent permitted by law, ClearWorth is not responsible for losses or damages arising from your use of the site or reliance on its content.