This calculator is provided for information purposes only and does not constitute financial advice or an offer. The results obtained using the calculator are estimates only and do not guarantee the same results in a real situation. By using the calculator, you agree to exclude liability on the part of the owner of the calculator and its employees, agents and representatives for any loss, damage or costs arising from your use of the calculator or reliance on results obtained from its use. The user is solely responsible for the use of the results obtained using the calculator.