Disclaimer

Not professional advice

Rate and Reason publishes calculators and explanatory articles about personal finance in 11 US cities. The content is general information for educational purposes. It is not financial, investment, tax, accounting, legal, real estate, mortgage, or insurance advice, and it is not a recommendation to take or avoid any action.

The site's author, Sadaf Azeem, is a freelance content writer. She is not a licensed financial advisor, CPA, enrolled agent, attorney, real estate agent or broker, mortgage loan officer, or insurance agent. Using this site does not create a professional or client relationship of any kind.

Estimates only

Calculator results are estimates based on the inputs you provide and on published rates and formulas as of the date shown on each page. Your actual taxes, payments, premiums, and costs may differ because of factors a calculator cannot see, including your full tax situation, deductions and credits, lender pricing, underwriting, insurance history, property details, and decisions made by government agencies.

Insurance, childcare, commuting, and cost-of-living figures that are not set by law are based on published surveys and averages. Real quotes can vary widely.

Local rules change often

Tax brackets, property tax rates, exemptions, transfer tax thresholds, rent increase limits, broker fee rules, and insurance minimums change regularly, sometimes in the middle of a year. We review figures at least yearly and when we learn of a change, but we cannot guarantee that every figure is current at the moment you use it. Always confirm important numbers with the official source listed on each page.

No guarantee of accuracy

We work to keep the calculators accurate, but the site is provided "as is" without warranties of any kind. We are not responsible for errors or omissions, or for any loss or damage arising from reliance on the site's content or results. You are responsible for your own decisions.

Advertising disclosure

Rate and Reason is free to use and is supported by advertising, including Google AdSense. Ads are shown in clearly marked spaces separate from the calculators. Advertisers do not pay for, review, or influence calculator formulas, results, or editorial content. The appearance of an ad is not an endorsement of the product or company advertised. If we ever add affiliate links, they will be clearly disclosed on the page where they appear.

External links

We link to government agencies and other sources for reference. We do not control those sites and are not responsible for their content or availability.

Questions

If you believe something on the site is wrong or out of date, please email orenasara763@gmail.com.