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You may use the formulas and code examples from this site in your own spreadsheets, at work or at home. You may not republish our guides or tools in whole or in substantial part without permission.

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Guides and tools are provided as they are, for general information. We work to keep them accurate, but we do not guarantee that any formula, macro or result is free of errors or suitable for your purpose. Check important results before relying on them, and keep a backup before running a macro on real data.

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Nothing on the site is financial, tax, accounting or legal advice. Loan and percentage tools illustrate how the formulas work; your lender’s figures may differ because of fees, rounding or payment timing.

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