Legal

Terms of Service

Last updated: October 2026

These terms govern your use of loanmetra.com (the "Site"). By using the Site you accept them. If you do not, please do not use the Site.

LoanMetra is a loan calculator that shows the payment, total interest and payoff date for a loan and models what an extra or early repayment saves. It amortises the balance month by month, charging interest at the annual rate divided by twelve and applying your payment, then repeats the run with any extra repayment so the interest and time the overpayment removes are shown directly. Everything below concerns that specific calculation and the values it involves, and nothing beyond it.

In day-to-day use the tool works only from the loan amount, rate, term and repayments, and it is usually opened for things like comparing two loan offers. None of that reaches us, so none of it can be stored.

The service we provide

What loanmetra.com offers is a loan calculator, free of charge and for general information. Results are estimates generated from your input by the method the page describes. Financial output is illustrative: it assumes steady rates, unchanged contributions and simplified taxes, none of which will hold exactly, and it is not advice.

No duty of care created

Nothing here forms a client, advisory or fiduciary relationship. The Site is a tool, and how you act on its output is a matter for you.

How you may use the Site

Personal and professional use is fine. What is not: disrupting the Site, scraping it hard enough to slow it for others, passing it off as your own, or using it unlawfully.

Who owns what here

The design, text and code of the Site belong to us or are licensed to us, except where credited otherwise. You may link to any page. Reproducing substantial parts of the content requires written permission.

Ads and external links

Ads, served by outside networks, keep the Site free, and some pages link to third-party resources. We neither control nor vouch for external content. No advert affects any result.

Uptime and changes to the service

There is no uptime promise: tools and pages may be altered, suspended or withdrawn without notice, and the Site is offered as it stands.

Liability

As far as legally permitted, our liability is excluded for indirect or consequential damages and for any decision taken on the strength of a result produced here.

Applicable law

These terms are subject to the laws of the Site operator's jurisdiction, and conflict-of-law provisions do not override that.

Money-related limitations

No output here amounts to financial advice. Results depend on assumptions about rates, contributions, fees and taxes that will not be met precisely in practice, so treat them as illustrative and take licensed advice before acting.

How accurate the results are

We take the method seriously and describe it openly, but we cannot promise every output is flawless or that the material stays current. Where a known margin of error applies, treat the figure as an estimate rather than a fact.

Questions about these terms

For any question about these terms, write to us via the contact page.