Financial & Advertising Disclaimer
Last revised: October 24, 2026
1. Not Financial, Legal, or Tax Advice
The tools, articles, formulas, worksheets, and resources provided on moneyresetlab.com are published strictly for educational and informational purposes. Money Reset Lab is not a registered investment advisor, certified financial planner (CFP), accountant (CPA), mortgage broker, or law firm.
No Fiduciary Relationship:
Your use of this website does not establish a fiduciary, advisory, attorney-client, or contractual client relationship between you and Money Reset Lab. All decisions regarding debt repayment, budgeting, loan consolidation, or investment allocations are made solely at your own discretion and risk.
2. Mathematical Models & Simulation Disclaimers
Calculators on this website (such as the Debt Snowball vs. Avalanche Planner, Compound Growth Calculator, and Credit Card Minimum Payment Simulator) rely on algorithmic mathematical models. These models assume:
- Fixed annual percentage rates (APRs) without unpredictable promotional period expirations or penalty rate hikes.
- Consistent on-time monthly payments without missed cycles, late fees, or overdraft charges.
- Constant compounding intervals based on monthly accounting rather than average daily balance methods.
Because actual financial institutions apply proprietary compounding formulas and fee structures, your actual payoff dates and total interest costs may deviate from our figures. Always verify payoff quotes directly with your lenders.
3. FTC Affiliate Compensation Disclosure
In compliance with Federal Trade Commission (FTC) guidelines, please assume that certain outbound links on this website (e.g., links to high-yield savings accounts, budgeting apps, credit report tools, books, or financial services) are affiliate links.
What this means for you:
If you click an affiliate link and open an account or make a purchase, Money Reset Lab may receive a modest referral commission at no extra cost to you.
Our editorial recommendations and calculations remain completely unbiased. We will never recommend a financial tool or product solely to earn a commission. Our core software tools remain 100% free and open for public use.
4. Investment Risk Warning
Any comparative simulations discussing investing (e.g., the Payoff vs. Investing Analyzer or Compound Interest Calculator) mention historical stock market returns (e.g., historical S&P 500 averages).
Past performance is no guarantee of future returns. Investments are subject to market volatility and potential loss of principal.
Paying down high-interest debt (e.g., credit cards at 24% APR) provides a guaranteed, risk-free mathematical return equivalent to the APR saved, whereas stock market investments carry market risk.
Contact & Inquiries
If you have questions regarding our disclosures or would like further clarification on our computational methodologies: