Terms and conditions

Using this site

By using Compound Peak you accept these terms. If you do not accept them, please do not use the site. They apply to every page here, including the calculator, the article and these utility pages.

What this site is

Compound Peak is a free compound interest calculator and a short guide to what its answer means. It is offered as it is, for general information, and it needs no account. No payment is asked for and none is accepted.

Not financial advice

Nothing on this site is financial, investment, tax or legal advice, and using the calculator does not create an adviser relationship. The results are illustrations of the inputs you typed and the assumptions the tool states; they are not a recommendation, a forecast or a promise of any return.

Before acting on a plan, speak to someone qualified who knows your circumstances. Decisions about savings, investments, pensions and borrowing are yours.

Accuracy and assumptions

The arithmetic is run by one engine and the example plan was checked against investor.gov's calculator, but no result is guaranteed to be free of error. The page rounds money to the cent and prints an answer that follows from its assumptions: a steady return, deposits and withdrawals at the times the tool states, and no tax unless one is set.

Real returns move, fees and tax take a share, and inflation changes what a future balance buys. A plan that assumes a constant return will not match a real one year by year.

Acceptable use

Use the site for your own purposes, including work and study. Do not attempt to break it, overload it, or reach parts of it you have not been given access to. Do not copy the site in bulk, or present its output as your own product, without asking first.

Content and ownership

The text, the design and the code of this site belong to Laksh Prabhu Dessai. You may quote a result with the assumptions that produced it and link to the page. Republishing the article, the design or the code as your own needs permission in writing.

Advertising and other sites

Advertising is served by Google AdSense, and some pages link to other sites. We do not control those sites or the ads shown, and we are not responsible for their content or their terms. What advertising collects is described in the privacy policy.

Availability

The site is free and may change, be unavailable for a time, or be withdrawn. There is no promise of uptime, of a particular feature, or of a saved plan surviving a change to the page. A plan you want to keep can be downloaded as a CSV.

Limits of liability

To the extent the law allows, we are not liable for any loss arising from the use of this site or from reliance on a figure it prints. Nothing in these terms excludes or limits a liability that cannot be excluded or limited by law, including liability for fraud.

Changes to these terms

These terms may change as the site does. The date at the top of the page is the day they last changed, and continuing to use the site after a change means the new terms apply.

Contact

Questions about these terms: [email protected]. The contact page says what to include.