Your estimate is not a tax return. Results are a general educational estimate of federal income tax only and may be incomplete. Verify with IRS forms/instructions or professional help before acting.

Important note: I’m not a lawyer, and I can’t guarantee this meets every nuance of your exact setup (especially if you add paid products, memberships, or collect sensitive data). This is a strong, commonly-used framework. If you want, I can also tailor it to your specific calculator inputs and how you present results.

Disclaimer & Terms of Use

1) Educational estimate only — not tax advice
This calculator and webpage are provided for general informational and educational purposes only. The calculator generates a non-binding estimate of potential U.S. federal income tax based solely on the information you enter and the assumptions programmed into the tool. The results are not intended to be, and should not be interpreted as, tax advice, financial advice, legal advice, accounting advice, or a recommendation to take (or not take) any action.

2) No professional relationship created
Your use of this webpage or calculator does not create a client relationship with Tandy Consulting Inc. and does not establish any professional relationship or engagement. We are not acting as your representative before the IRS or any other taxing authority through your use of this tool. If you want personalized guidance, you must request and enter into a separate written engagement.

3) Federal estimate only (unless stated otherwise)
Unless we explicitly say otherwise on this page, this calculator is intended to estimate federal income tax only. It does not calculate or include:

• California income tax, other state taxes, or local taxes
• Self-employment tax, payroll taxes, or business entity-level taxes
• Alternative Minimum Tax (AMT) impacts in all cases
• Net Investment Income Tax (NIIT), Additional Medicare Tax, or surtaxes in all cases
• Tax effects of stock options, RSUs, QSBS, pass-through entity rules, multi-state income, foreign reporting, or other complex issues
• Penalties, interest, estimated tax penalties, underpayment penalties, or withholding penalties
• Credits, phaseouts, limitations, deductions, and special rules not included in the calculator’s inputs or programming

4) Accuracy depends on your inputs and assumptions
The output is only as accurate as:

• The data you enter (income, filing status, dependents, deductions, credits, withholding, etc.)
• The assumptions used by the tool (standard deduction vs. itemized, credit eligibility, phaseouts, and other limitations)
• The completeness of the calculator design relative to your situation

Tax laws and IRS guidance can change. The calculator may not reflect the most recent changes immediately, and it may not apply every rule that could affect your actual tax outcome.

5) You are responsible for verifying results
You are solely responsible for:

• Confirming the accuracy and completeness of the information you enter
• Reviewing the results for reasonableness
• Verifying your final tax liability using official IRS forms/instructions, reputable tax software, or qualified professional help

Do not use calculator results as the only basis for decisions such as withholding changes, estimated tax payments, retirement plan contributions, filing positions, or major financial transactions.

6) No guarantee of outcomes
We make no representations, warranties, or guarantees—express or implied—regarding the accuracy, completeness, reliability, or suitability of the calculator, its assumptions, or its results. Actual tax results may differ materially based on facts, documentation, elections, timing rules, and changes in law.

7) Limitation of liability (California-friendly language)
To the fullest extent permitted by applicable law, Tandy Consulting Inc. and its owners, employees, contractors, and affiliates will not be liable for any damages or losses arising out of or related to your use of (or inability to use) this calculator or webpage, including but not limited to direct, indirect, incidental, consequential, special, exemplary, or punitive damages; lost profits; lost savings; business interruption; tax penalties; interest; or other costs—whether based on contract, tort (including negligence), strict liability, or any other legal theory—even if we have been advised of the possibility of such damages.

If any liability is found despite the above, then to the fullest extent permitted by law, our total liability for any claim related to this tool or page will be limited to the amount you paid to access the calculator (if any). If you paid nothing, our total liability will be limited to $0.

8) No substitute for filing instructions and official guidance
IRS publications, forms, instructions, and official guidance control. If there is any conflict between calculator results and official guidance, you should rely on the official guidance.

9) Third-party links and tools (if applicable)
If this page links to third-party websites, tools, calculators, or resources, those are provided for convenience only. We do not control them and are not responsible for their content, availability, or accuracy.

10) Privacy note (recommended if you collect any data)
If you enter information into this calculator, do not include Social Security numbers, full bank account numbers, or other sensitive personal data unless this page explicitly instructs you to do so and provides a secure method for submitting it. Your use of this calculator may be subject to our privacy policy and website terms (if posted).
(If you want, tell me how the calculator is hosted and whether you store inputs, and I’ll write a tighter privacy/data-handling disclaimer.)

11) Updates to this disclaimer
We may update this disclaimer from time to time. Continued use of this page after updates constitutes acceptance of the revised disclaimer.

By using this calculator, you acknowledge that you have read, understood, and agree to this Disclaimer & Terms of Use.