Terms of use

Effective November 8, 2026

These terms are between you and Overreach LLC, which makes Math of Me. By using Math of Me you agree to them.

A calculator, not advice

Math of Me does arithmetic on numbers you provide and assumptions you can change. It is not financial, investment, tax or legal advice, and it doesn't recommend what to do with your money. Results are estimates. Talk to a qualified professional before making financial decisions.

Prices and rates

Example items, starter packs and reference exchange rates are illustrations, not quotes. Replace them with real prices and with the rate published by your central bank.

Straight talk

Direct language is off unless you turn it on. When it's on, wording is plainer but never insulting, and the numbers don't change. You can turn it off at any time.

Your content

What you enter is yours. It stays on your device unless you export it or sign in, in which case we store it for you under our privacy policy and you can delete it at any time.

Using the service

Don't misuse Math of Me, for example by trying to disrupt it or reverse engineer it to build a competing service. We may change or stop features at any time.

No warranty

Math of Me is provided as is and as available, without warranties of any kind, to the extent the law allows.

Limit of liability

To the extent the law allows, Overreach LLC isn't liable for indirect or consequential losses, or for decisions made using the calculator. Where liability can't be excluded, it's limited to the amount you paid us in the past 12 months.

Accounts

You can use Math of Me without an account. If you create one, keep your email secure and tell us if someone else gains access. You must be 16 or older in the EU and UK, and 13 or older elsewhere.

Membership

Membership is a yearly subscription billed through Stripe at the price shown before you pay. It renews each year unless you cancel, and we remind you by email before it renews. Cancel any time from the link in your receipt or by emailing us; you keep member features until the year ends. If you cancel within 14 days of first paying, we refund you in full. Prices may change for future years; we'll tell you at least 30 days before a renewal at a new price. The free version stays free.

Changes

We may update these terms. If we do, we'll change the date above. Continuing to use Math of Me means you accept the updated terms.

Contact

hello@mathofme.com