Limitations

Results are modeled under the assumptions you enter

Every figure CalcFleet returns is computed under the inputs and assumptions you provide. Change an assumption and the result changes. When a tool reports, for instance, that one strategy costs less, it means: under the balances, rates and payment assumptions entered, the strategy produces a lower modeled figure — not that it will always be better in reality.

Not professional advice

CalcFleet calculators are informational tools. They are not financial, tax, legal, medical or professional advice, and using one does not create any advisory relationship. For decisions that matter, consult a qualified professional who can account for your full circumstances.

No guarantee of outcomes

A deterministic, tested formula guarantees that the same inputs produce the same output — nothing more. It does not guarantee a return, a saving, a payback or any real-world result. Where a tool models an uncertain future, it says so: a simulation that reports, say, that in 90% of simulated paths a portfolio stayed above zero is describing the model's paths, not a 90% chance of success.

Simplifications and what is left out

Models simplify. A calculator may exclude taxes, fees, sequence risk, variable rates, penalties or costs that would matter for your situation; where these are excluded, the tool's methodology says so. A payback or break-even figure covers the assumptions in the model, not implementation cost, supervision, error rates, downtime or vendor risk unless those are inputs you entered.

Data has a vintage

Calculators that lean on external data — benchmarks, economic indicators, reference rates — use point-in-time snapshots with a stated vintage and retrieval date. Snapshots are refreshed periodically, not fetched live, so a figure can lag the newest release. Always read the vintage shown next to the number. See benchmark methodology for how these sources are sourced and their known biases.

What a receipt does and does not prove

A calculation receipt records what was calculated, with which formula version, and who signed it, so it can be checked independently. A valid signature establishes integrity and attribution to a key. It does not by itself establish that the inputs are true, that the formula is appropriate, or that the output is suitable for a particular decision. How we distinguish these is set out in the verify page — deliberately, there is no single “verified” verdict.

Related

• Methodology — how a number is produced.
• Terms — the terms that govern use of the calculators and API.