Your responsibility
You choose and verify the information you enter. You must confirm official amounts, eligibility, tax treatment, deadlines, and professional questions with the relevant official source or qualified professional.
Terms
Bounded educational tools, clear limits.
Money Journal tools are educational planning aids. They do not provide individualized financial, investment, tax, legal, employment, credit, or benefits advice.
No guarantee
Illustrative results depend on your entries, current rule bundle, and stated assumptions. They are not a guarantee of outcomes or payments.
Prohibited use
Do not use a tool to make an urgent hardship, legal, securities, borrowing, or benefits decision without the appropriate official or professional support.
When to stop and seek the right help
Urgent hardship, collections, benefit eligibility, legal/employment disputes, and personalized investment decisions are outside these tools. The Checkup points to an appropriate next source.