Disclaimer
Educational tools only
SteadyZero’s calculators, guides and templates are for general educational and informational purposes only. They are not financial, investment, legal, tax or credit advice, and they aren’t a recommendation to take, or not take, any action with your debts, accounts or money.
Results are estimates
Calculator and template results are estimates based only on the numbers and assumptions you enter, using the method described on our Methodology page. Your lender’s actual interest, minimum payments, fees and payoff dates may differ, for example because of daily interest calculations, rate changes, new charges, fees, or how payments are applied. Always rely on your lender’s statements and agreements for exact figures.
No guarantee of results
We don’t guarantee any outcome, including that you’ll become debt-free by any date, save any amount of interest, or see any change to your credit. Your results depend on your own circumstances and actions.
We don’t provide lending or credit services
SteadyZero is a publisher of educational tools and self-serve templates. We don’t lend money, broker loans, issue cards, give personal financial advice, contact or negotiate with creditors, settle or change debts, or work on credit reports or scores.
- We don’t offer or arrange loans or credit.
- We don’t contact or negotiate with your creditors.
- We don’t hold, receive or send money on your behalf.
- We can’t change the terms of any debt.
Talk to a qualified professional
For advice about your specific situation, consider a qualified, licensed professional, such as a financial planner, an accountant or tax professional, or a licensed legal professional. If you’re looking for help with debt, the CFPB and the FTC have information on your options and on avoiding debt scams.
Accuracy and third-party links
We work to keep our content accurate and current (see our Editorial Policy), but we can’t guarantee that every page is complete, error-free or up to date. Links to other websites are for convenience only. We don’t control those sites and aren’t responsible for their content.
Templates
Templates are self-serve spreadsheets and printables that you fill in and use yourself. They’re licensed for personal use under our Terms of Service. You’re responsible for the information you enter and for checking the results.
Refunds. No refunds for change of mind. Steady Zero templates are instant digital downloads. If a file never arrived, is broken, isn’t as described, or you were charged twice or without permission, contact support@steadyzero.com and we’ll fix it, replace it, or refund you. Purchases are processed by Link, Stripe’s checkout partner (merchant of record), which may also refund these issues within 60 days of purchase regardless of these terms. EU and UK buyers can cancel within 14 days of purchase, or of first getting access to the files if that’s later. You can use the EU/UK model withdrawal form on our refund policy page, but you don’t have to. Email support@steadyzero.com with your order number and a clear statement that you’re cancelling, or cancel through Link, and you’ll be refunded within 14 days of your request. Refunds usually arrive within 3 to 7 business days, depending on your bank. A refund or chargeback ends download access for that order. You can re-download your files anytime at steadyzero.com/downloads with your order number and email. If you don’t recognize a charge, email us and we’ll sort it out (you can still contact your bank at any time). Receipts and refund confirmations are emailed automatically by Link, from an @link.com address. See our Refund Policy.
Advertising and affiliate disclosure
SteadyZero currently has no ads and no affiliate links. Paid Excel and printable templates will be available here when checkout opens. If that changes, we’ll disclose it next to any affiliate link and on our Editorial Policy page.
Limitation of liability
What we promise about our templates, and the limits of that promise, are in Section 7 of our Terms of Service. Nothing on this site limits your rights under the consumer laws that apply to you.
Questions? Contact support@steadyzero.com.