Terms of Use
Last updated: July 22, 2026
By using Solvent (usesolvent.com), you agree to these terms. If you don't agree, please don't use the site.
Educational estimates, not professional advice
Solvent's calculators and guides provide general, educational estimates based on the information you enter and on published tax figures. They are not tax, legal, accounting, or financial advice, and they do not account for every rule, exception, or detail of your specific situation. Tax law has exceptions (for farmers, fishermen, high earners, corporate filers, and others), and your actual liability may differ from any estimate. Always confirm your situation with a qualified CPA, enrolled agent, or attorney before making decisions.
No warranty
Solvent is provided "as is," without warranties of any kind. While we verify our figures against primary sources like the IRS and SSA and update them each year, we don't guarantee that every number, calculation, or piece of content is complete, current, or error-free. You use the tools at your own discretion and risk.
Limitation of liability
To the fullest extent permitted by law, Solvent and Nicolas Straut are not liable for any loss, penalty, or damage arising from your use of the site, its calculators, or its content, including decisions made or taxes filed based on an estimate produced here. The tools are a starting point for your own planning, not a replacement for professional judgment.
Affiliate relationships
Some pages contain affiliate links, and Solvent may earn a commission if you sign up for a product through them. This never affects the price you pay, which tools we recommend, or the figures our calculators produce. Our analysis is independent, and we disclose affiliate relationships on the pages where they apply.
Intellectual property
The content, design, and tools on Solvent are owned by Solvent unless otherwise noted, and are provided for your personal use. Please don't copy, republish, or resell the content or tools without permission. You're welcome to link to any page.
Third-party links
Solvent links to third-party sites, including the IRS, the SSA, and product partners. We're not responsible for the content, accuracy, or practices of those sites, which are governed by their own terms and policies.
Changes to these terms
We may update these terms as the site grows. Continued use after a change means you accept the updated terms. We'll change the "last updated" date above when we do.
Governing law
These terms are governed by the laws of the State of New York, without regard to conflict-of-law rules.
Contact
Questions about these terms? Reach me through the contact form on the About page.