DanfioDisclaimer
Effective .
Danfio publishes tools, not advice. Results are produced on your device, and where a tool returns a number that number is an estimate from the formulas and assumptions listed on the page. Estimates and outputs are useful for comparing options and checking your own work; they are not a substitute for a document, a contract or a licensed professional.
Money and credit tools
Loan, mortgage and debt calculators model interest, terms and payments. They do not know your credit score, your lender's fees, escrow adjustments, prepayment penalties or underwriting rules. Your lender's disclosure — the Loan Estimate and Closing Disclosure in the United States, or the equivalent in your country — always overrides anything you see here.
Tax tools
Tax rules differ by country, state, province and year, change frequently, and depend on facts about you that a web form cannot capture. Tax calculators here are simplified models for planning and comparison. File with official forms, tax software, or a qualified accountant.
Investing, retirement and insurance tools
Growth, retirement, 401(k) and insurance calculators work from assumptions — an average rate of return, a life expectancy, a cover multiple — that you must check against your own situation. None of them predicts a market or prices a policy; confirm amounts with a plan administrator, a broker or a licensed financial or insurance advisor.
Health and fitness tools
Body, calorie and fitness calculators use population-level formulas. They are not medical devices and not a diagnosis. Do not use them to start, stop or change any treatment, medication or diet without speaking to a clinician.
File, text and developer tools
These tools process data on your device. You remain responsible for keeping backups of anything important, for checking the output before you rely on it, and for complying with the license terms of the files you process.
No liability
Use of the site is at your own risk, and Danfio accepts no liability for decisions made on the basis of a result. Corrections are welcome and are handled quickly — write to contact@danfio.com with the tool link, your inputs and the expected value.