Disclaimer

This tool is a personal organizational utility intended to help you structure and track your budgeting goals. It is not a substitute for professional advice or services.

• Not Financial Advice: The tool provides general budgeting organization only and does not provide financial, investment, tax, accounting, or legal advice.
• No Fiduciary Relationship: Using the tool does not create a professional–client or fiduciary relationship of any kind.
• User Responsibility: All decisions and actions you take remain solely your responsibility. Always verify calculations and consult licensed professionals when needed.
• Calculation Accuracy: While designed for accuracy, the tool does not guarantee error‑free calculations or outcomes and may contain mistakes.
• Entertainment/Personal Use: Provided for personal productivity and entertainment purposes only; not intended for commercial or professional use.

By using this tool, you acknowledge and agree to this disclaimer.