Terms of Service
Last updated: April 23, 2026
1. Acceptance
By accessing or using CompoundLadder.com (the "Site"), you agree to be bound by these Terms. If you do not agree, please do not use the Site. These Terms form a binding agreement between you and Yi Liu.
2. Description of Service
CompoundLadder.com provides free online financial calculators — compound interest, FIRE, retirement savings, debt payoff, mortgage amortization, etc. — with accompanying educational articles. The Site is for general educational and informational purposes only. It does not provide financial, investment, tax, legal, or accounting advice.
3. Eligibility
You must be at least 13 years old (or 16 in the EEA) to use the Site.
4. No Account Required
Calculator inputs are processed in your browser and are not stored on our servers.
5. No Financial Advice — Important
The content, calculators, and outputs on CompoundLadder.com are not a substitute for professional financial advice. We are not a registered investment adviser, broker-dealer, financial planner, accountant, tax professional, or attorney. No fiduciary, advisory, or professional relationship is created by your use of the Site.
Calculator outputs are based on simplified mathematical models and assumptions you provide. Real-world outcomes are affected by taxes, inflation, market volatility, fees, behavioral factors, and other variables.
Before making any financial decision, consult a qualified professional such as a Certified Financial Planner (CFP®), CPA, or licensed investment adviser.
6. Acceptable Use
You agree not to use the Site for unlawful purposes, attempt unauthorized access, scrape beyond robots.txt, reverse-engineer calculator logic, introduce malware, misrepresent Site output as official advice, or resell without permission.
7. Intellectual Property
All content is owned by Yi Liu or licensed. You receive a limited, non-exclusive, non-transferable license for personal, non-commercial use. Math formulas are public domain; implementations and UI are not.
8. Third-Party Links
External links are provided for convenience and do not constitute an endorsement.
9. Advertising
The Site is ad-supported via Google AdSense. See our Privacy Policy for details on cookies and advertising.
10. Disclaimer of Warranties
THE SITE IS PROVIDED "AS IS" AND "AS AVAILABLE," WITHOUT WARRANTIES OF ANY KIND. We make no warranty that calculator outputs are accurate, current, or suitable for your circumstances.
11. Limitation of Liability
TO THE MAXIMUM EXTENT PERMITTED BY LAW, IN NO EVENT SHALL Yi Liu OR CompoundLadder.com BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES. OUR TOTAL CUMULATIVE LIABILITY SHALL NOT EXCEED US$100.
12. Indemnification
You agree to indemnify Yi Liu and CompoundLadder.com from claims arising from your use of the Site or financial decisions based on Site content.
13. Governing Law
Laws of the State of California, United States, without regard to conflict-of-law principles.
14. Changes
We may modify these Terms at any time.
15. Termination
We may suspend or terminate access without notice.
16. Severability
If any provision is unenforceable, remaining provisions remain in effect.