This calculator is provided for informational purposes only and does not constitute advice or a financial offer. The results obtained using the calculator are only approximate and do not guarantee the same results in a real-life situation. By using the calculator, the user agrees to exclude liability on the part of the calculator owner and its employees, agents, and representatives for any losses, damages, or costs arising from the use of the calculator or reliance on the results obtained from its use. The user assumes sole responsibility for using the results obtained with the calculator.