Terms of
Use.
Last Updated: February 2026. By using TrackMySpend.org, you agree to the following terms and conditions regarding the tools and guides.
Financial Disclaimer
The calculators provided (Take-Home Pay and Mortgage Overpayment) are for illustrative and educational purposes only.
Results are estimates and do not constitute professional financial advice. TrackMySpend.org does not account for all individual circumstances, lender-specific fees, or fluctuating tax laws. Always consult a qualified professional before making significant financial commitments.
Use of Tools
This site is a free resource. You may use these tools for personal, non-commercial use. I reserve the right to modify, update, or remove tools at any time without notice. You agree not to use the tools in any way that could damage or overburden the site infrastructure.
Limitation of Liability
TrackMySpend.org and its owner shall not be held liable for any financial losses, errors in calculation, or decisions made based on the information provided on this website. You use these tools at your own risk.
External Links
Library and articles may link to third-party sites (e.g., banks or government portals). I have no control over the content or reliability of these external sites and do not endorse them by linking to them.