01Not financial advice

Nothing on Swiftly.tools constitutes financial, investment, tax, legal or accounting advice. We are not a licensed financial advisor, mortgage broker, lender, insurance agent, CPA or attorney.

Calculators illustrate how standard formulas behave under the assumptions you enter. They do not evaluate whether a decision is appropriate for you.

02Estimates, not offers

Mortgage, HELOC and refinance results are estimates based on average state-level tax and insurance figures. They are not a loan offer, pre-approval or rate lock. Actual terms depend on your lender, credit profile, property, appraisal and underwriting.

Payroll and tax results use published 2026 federal brackets and simplified state effective rates. Your employer or state may withhold differently, and local taxes are not modeled.

03Data currency

Rates change daily and tax law changes annually. Each tool displays a last-updated date. While we refresh Federal Reserve rate data daily and statutory figures within 48 hours of publication, we cannot guarantee that any number reflects the law in effect at the moment you read it.

04Business valuation limits

SaaS and EBITDA/SDE valuations are indicative ranges derived from public market multiples and quality adjustments. They are not appraisals and should not be used in a transaction without a qualified valuation professional.

05Health and nutrition

The macro calculator provides general estimates based on the Mifflin-St Jeor equation. It is not medical or dietary advice. Consult a physician or registered dietitian before changing your diet, particularly if you have a medical condition.

06No liability

By using this site you accept that any decision you make is your own. To the extent permitted by law, Swiftly is not liable for losses arising from reliance on calculator output.