Terms of use

By using pencilbudget.com you agree to these terms. If you don't agree, please don't use the site.

Not financial advice

Pencil Budget provides calculators for planning. They perform arithmetic on the numbers you enter. Nothing on the site is financial, investment, tax or legal advice, and nothing on it is a recommendation to do anything with your money. For advice about your situation, talk to a qualified professional.

Your numbers, your responsibility

Results are only as accurate as what you enter. Check the results before relying on them. How you split costs with another person is your decision; the calculator shows the arithmetic of the rule you choose, not which rule is fair.

No warranty

The site is provided “as is” and “as available”, free of charge, without warranties of any kind. We don't guarantee that it will be available, error-free, or that data stored in your browser will be kept – browsers can clear it. Download a copy (Excel or PDF) of anything you want to keep.

Limitation of liability

To the extent permitted by law, Kling Invest & Consulting AB is not liable for any loss or damage arising from your use of the site or from decisions made on the basis of its results.

Acceptable use

Don't try to disrupt the site, and don't use share links to send content that is unlawful or meant to harm others.

Changes

We may update these terms. The current version is always on this page with its date.

Contact

Kling Invest & Consulting AB, Sweden – hello@pencilbudget.com.