Our calculators are here to help you think — not to make the decision for you. Here's exactly what that means.
Everything on RoostCalc — every calculator, guide, and number — is provided for general educational and informational purposes. Results are estimates based on the inputs you enter and standard, simplified assumptions. They are not a quote, an offer, an approval, or a promise of any particular rate, payment, cost, or outcome. Your real numbers will come from the lender, insurer, contractor, or tax authority you actually work with.
RoostCalc is not a lender, broker, financial advisor, tax preparer, attorney, or insurance agent, and nothing on this site is financial, investment, tax, legal, or insurance advice. Reading our pages or using our tools does not create any advisory or fiduciary relationship. For guidance tailored to your situation, talk to a qualified professional — a licensed loan officer, CPA, attorney, or agent — who can look at your full circumstances.
Each calculator simplifies a messy real-world process into a few inputs, and every page tells you the main assumptions it makes and which direction they lean. Real transactions include details we can't know — your exact rate, local fees, escrow rules, underwriting overlays, tax exemptions, and more — so your actual figures will differ, sometimes meaningfully.
Interest rates, tax rates, insurance costs, and program rules also change over time. We update the site as things change and check our formulas carefully, but we don't guarantee that every figure or default is current or free of error. If you spot something that looks off, please tell us at hello@roostcalc.com — we fix reported errors quickly.
Some pages reference or link to outside sources such as government agencies, lenders, or data providers. We include them because they're useful, but we don't control them and can't vouch for their accuracy or ongoing availability. Any reliance on third-party information is at your own discretion.
Because you know your full situation and we don't, the decisions you make — and their results — are your responsibility. To the fullest extent permitted by law, RoostCalc and the people behind it are not liable for any loss or damage arising from use of the site or reliance on its estimates. Please verify anything important with the professionals and institutions involved before you act. This disclaimer is part of our Terms of Use.
🤝 Honest math, clearly labeled. The big calls are still yours.