Disclaimer

Everything on pencilpencilpencil.com — every calculator, guide, and number — is provided for educational and informational purposes only. It is not investment advice, tax advice, lending advice, or legal advice, and it is not a substitute for any of those professions.

The calculators use simplified models of complex transactions. They make assumptions (documented on each tool's page) that may not match your situation, your documents, or current law. Tax rates change; operating agreements vary; lenders have their own math. Verify every number with your CPA, attorney, qualified intermediary, and lender before making decisions or signing anything.

All calculations run locally in your browser. We never see your inputs — which also means we can't check them. Garbage in, garbage out applies.

Using this site does not create a professional-client, advisory, or fiduciary relationship of any kind between you and GetKin Labs. The calculators provide impersonal, general-purpose computations available identically to everyone; nothing on this site is tailored to your circumstances, and nothing here is a recommendation to buy, sell, exchange, borrow, or take any other action.

Use of this site is at your own risk. GetKin Labs and pencilpencilpencil.com accept no liability for decisions made in reliance on these tools.