This tool provides a general, educational estimate based on the information you enter and may not reflect every payroll rule or benefit deduction. Confirm results using your paystubs, employer payroll reports, or year-end forms before making decisions.

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 advice

This calculator and webpage are provided for general informational and educational purposes only. The calculator produces a non-binding estimate of wages and/or projected pay based solely on the information you enter and the assumptions programmed into the tool. Results are not intended to be, and should not be interpreted as, tax advice, legal advice, financial 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 engagement. If you want guidance tailored to your situation, you must request and enter into a separate written engagement.

3) Wage projection only (unless stated otherwise)

Unless we explicitly say otherwise on this page, this calculator is intended to estimate wages and projected pay only. It does not calculate or include, in all cases:

• Federal income tax, California income tax, or any other state/local tax
• Payroll tax details (Social Security/Medicare), employer-side taxes, or household employment taxes
• Retirement plan contribution limits or eligibility (401(k), 403(b), etc.)
• The tax impact of stock compensation (RSUs/ISOs/NSOs), commissions with variable timing, or deferred comp
• Benefit deductions and special payroll items not entered (HSA, cafeteria plans, union dues, garnishments, etc.)

4) Accuracy depends on your inputs and assumptions

Your results are only as accurate as:

• The numbers you enter (pay frequency, hourly rate/salary, YTD wages, bonuses, expected changes, etc.)
• The assumptions used by the tool (pay periods remaining, timing of bonuses, consistent hours, etc.)
• The completeness of the calculator relative to your payroll setup (multiple jobs, variable pay, commissions, and mid-year changes can materially affect results)

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 projected wages using paystubs, employer payroll reports, or year-end forms (such as a W-2)

Do not rely on calculator results as the only basis for decisions such as changing jobs, negotiating pay, altering benefits elections, or adjusting withholding.

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 wages and pay outcomes may differ due to payroll timing, employer policies, benefit elections, leave/time-off, bonuses, and changes during the year.

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; payroll issues; 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 official payroll records

Your employer’s payroll records, pay statements, and year-end forms control. If there is any conflict between calculator results and your payroll documentation, rely on your payroll documentation.

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

Do not enter Social Security numbers, full bank account numbers, or other sensitive personal data into this calculator. Your use of this calculator may be subject to our privacy policy and website terms (if posted).

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.