By accessing or using Xero Tools, you agree to use the website according to these Terms of Use and any page-specific notices. If you do not agree, do not use the website.
Xero Tools provides calculators, converters, formulas, exports, and related explanations for general informational use. Results are estimates based on the values, formulas, assumptions, settings, and rounding shown on each page.
- Check important results before relying on them.
- Do not use calculator output as a substitute for professional advice.
- Verify finance, health, property, construction, measurement, tax, legal, or safety-related decisions with qualified sources.
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- Do not submit unlawful, harmful, misleading, abusive, or spam content.
- Do not scrape, copy, overload, reverse engineer, or redistribute the site in a way that harms the service or violates rights.
- Do not attempt to bypass authentication, rate limits, abuse-prevention controls, or access restrictions.
The website design, page content, calculator organization, interface text, result notes, and code are protected by applicable intellectual property laws. You may use calculator results for personal or business reference, but you may not copy or republish substantial parts of the website as a competing service without permission.
If you submit feedback, reports, calculator requests, ratings, or messages, you are responsible for the information you provide. You allow Xero Tools to review, store, and use those submissions to operate, improve, and protect the website.
The website may link to third-party resources or display third-party advertising. Those services are controlled by their own operators, terms, privacy policies, and technical systems.
The website is provided as available and for general informational use. To the fullest extent allowed by law, Xero Tools is not liable for losses or damages caused by use of the website, calculator outputs, third-party services, unavailable pages, errors, or user-submitted values.
We may update these terms as tools, features, policies, or operational requirements change. The reviewed date on this page shows when the page was last checked.