Plain-English terms of use.

By using Income Pivot (incomepivot.app), you agree to these terms. They are short by design.

What this site is

A free, educational planning tool. It computes estimates from inputs you provide so you can think more clearly about a freelance or consulting transition.

What this site is not

Not tax, legal, financial, lending, investment, insurance, or employment advice. See the disclaimer for the full list.

No warranty

The site and calculator are provided “as is”, without warranty of any kind, express or implied. We do not guarantee the calculator will be accurate for your situation, or that the site will be available or error-free.

Limitation of liability

To the maximum extent permitted by law, Income Pivot is not liable for any direct, indirect, incidental, consequential, or punitive damages arising from your use of the site or reliance on calculator output.

Privacy

Your calculator inputs stay in your browser. See the privacy page for specifics.

Changes

We may update these terms over time. Material changes will be announced on this page with a revised date.

Last updated: 2026-06-20