Terms of use

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.

Solvent is provided "as is," without warranties of any kind. Figures are verified against primary sources such as the IRS and SSA and updated each year, but that's not a 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.

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.

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 get recommended, or the figures the calculators produce. The analysis is independent, and affiliate relationships are disclosed on the pages where they apply.

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.

Solvent links to third-party sites, including the IRS, the SSA, and product partners. Solvent is not responsible for the content, accuracy, or practices of those sites, which are governed by their own terms and policies.

These terms may be updated as the site grows. Continued use after a change means you accept the updated terms. The "last updated" date above changes when they do.

These terms are governed by the laws of the State of New York, without regard to conflict-of-law rules.