Terms of use

Effective date: June 13, 2026. This calculator is provided for general educational use only. It is not a lender, broker, credit counselor, debt-relief provider, or financial advisor.

The service does not offer credit, accept loan applications, determine eligibility, recommend a financial product, or negotiate with creditors.

You are responsible for checking all results against your loan agreement, lender statements, and actual payoff quote before acting.

The service is provided as available and without warranties to the extent permitted by applicable law. No result, savings amount, or payoff date is guaranteed.

Operator: benriz, an independent project operated by Kinya Inoue. Contact: [email protected].