In plain language: some links on this site are affiliate links. If you click one and sign up or buy something, we may earn a small commission at no extra cost to you. This is one of the ways we keep every calculator on SmartToolsHub free to use.
The Federal Trade Commission requires websites to clearly disclose paid or commission-based relationships with the brands they link to. This page is that disclosure, and it applies to every page on toolshubfree.com.
You'll find affiliate links in a few places: product suggestions on our home-improvement calculators (FloorCalc Pro, HomeFixCost, HomeStyle AI, MoneyMap Pro), and links to financial services on our money-related pages (PayCalc Pro, HomeBuy Calc, the Debt Payoff Calculator, and our state and cost-of-living guides). These are typically labeled "Advertisement" or appear in a clearly separated product/services block, not woven into the calculator results themselves.
Companies we've linked to through these programs include (but aren't limited to) LendingTree, Rocket Mortgage, Better Mortgage, Credit Karma, TurboTax, H&R Block, The Zebra, Experian, Zillow, Carvana, CarMax, Thumbtack, and various home-improvement retailers. This list can change as our partnerships change — this page describes the type of relationship, not a fixed roster of every partner at every moment.
Affiliate relationships never change the math a calculator produces. Your paycheck estimate, home affordability number, or debt payoff timeline is calculated the same way whether or not you ever click an ad or affiliate link on the page. We don't accept payment to alter a calculation or to recommend a product as "best" without our own independent reasoning for the recommendation.
Separate from affiliate links, this site also displays advertising, including through Google AdSense. See our Privacy Policy for how advertising cookies work and how to opt out of personalized ads.
If you have a question about a specific link or partnership, email us at illvisionmedia.co@gmail.com.