Terms of Service

1. Service Overview

Today Calculator (hereinafter "the Service") is a free web service that provides various calculators for finance and lifestyle purposes. Anyone can use the Service without registration, and all calculations are performed in the user's browser.

2. Disclaimer for Calculation Results

The Service operator assumes no legal liability for financial decisions, including investments, taxation, loans, and insurance, made based on the calculation results. Please verify exact figures with relevant authorities, tax professionals, or financial institutions.

• Tax & Salary Calculators — Based on 2026 tax rates and insurance premium rates, but actual amounts may differ depending on individual circumstances (non-taxable items, dependents, etc.).
• Loan, DTI & DSR Calculators — Actual loan limits and interest rates are determined by each financial institution's evaluation criteria.
• Stock & Investment Calculators — Past returns do not guarantee future performance, and actual results may vary due to changes in fees and tax rates.
• Insight Calculators — Based on statistical estimates and may differ from individual circumstances.

3. Terms of Use

Users may freely use the Service, but the following activities are prohibited:

• Activities that interfere with the normal operation of the Service
• Mass access using automated means (bots, crawlers, etc.)
• Unauthorized reproduction of Service content for commercial use
• Illegal activities using the Service

4. Intellectual Property

All intellectual property rights, including the design, source code, and content of the Service, belong to the Service operator. Users may freely use the Service for personal and non-commercial purposes, but may not reproduce, distribute, or modify the Service content for commercial use without authorization.

Sharing calculation result URLs and citing screenshots on personal blogs or social media is freely permitted with proper attribution.

5. Service Modification and Suspension

The Service operator may modify or suspend the Service without prior notice in the following cases:

• Service improvement and feature updates
• Technical failures or maintenance
• Changes in calculation standards due to legal or regulatory changes
• Other unavoidable operational reasons

6. Advertising

The Service may display advertisements through Google AdSense. The content of advertisements is unrelated to the Service operator, and responsibility for advertised products and services lies with the respective advertisers.

7. Changes to Terms

The Service operator may modify these terms as necessary, and the modified terms take effect from the time they are posted on the Service.

8. Governing Law and Jurisdiction

These terms shall be interpreted and applied in accordance with the laws of the Republic of Korea, and the court of jurisdiction for disputes related to the Service shall be determined in accordance with the Civil Procedure Act.

9. Contact

If you have any questions about these Terms of Service, please contact us through our contact form.