Disclaimer

Not Financial Advice

The information and tools provided on Balance Buster are designed to help you understand debt payoff strategies and estimate potential outcomes. They are not intended to be, and should not be construed as, financial, legal, or tax advice.

Consult Professionals

Before making financial decisions, we strongly recommend consulting with:

• A certified financial planner (CFP)
• A licensed accountant or tax professional
• A credit counselor (for debt management assistance)
• An attorney (for legal questions)

Accuracy of Calculations

Our calculators make certain assumptions:

• Interest Compounding: Monthly compounding is assumed
• Payment Timing: Payments are assumed to occur at the end of each month
• Fixed Rates: Interest rates are assumed to remain constant
• No Fees: Late fees, annual fees, and other charges are not included unless specifically entered

Actual results may vary based on your specific circumstances, payment dates, rate changes, and other factors.

Affiliate Disclosure

Balance Buster may contain affiliate links to financial products and services. If you click on these links and take action (such as applying for a credit card or loan), we may receive compensation. This does not affect our calculator results or recommendations.

No Guarantees

We make no guarantees about:

• The accuracy of calculation results
• Your ability to achieve the projected payoff timeline
• Interest savings or other financial outcomes
• The suitability of any strategy for your situation

Your Responsibility

You are solely responsible for:

• Verifying the accuracy of data you enter
• Making your own financial decisions
• Seeking appropriate professional advice
• Understanding the limitations of these tools