Terms of Service - TaxGainsCalc

1. Acceptance of Terms

Welcome to TaxGainsCalc. By visiting taxgainscalc.com, using any of our calculators, or reading our guides, you agree to these Terms of Service. If you do not agree with any part of these terms, please stop using the site. We wrote them in plain English because legal documents that nobody can read help nobody.

These terms form an agreement between you and TaxGainsCalc. We may update them from time to time as our site grows or as tax law changes. When we do, we will change the date at the top of this page and post the new version here. Continuing to use the site after a change means you accept the updated terms.

2. Description of Service

TaxGainsCalc provides free online tools and educational content about United States capital gains tax. Our service includes ten federal and state tax calculators covering stocks, crypto, real estate, home sales, 1031 exchanges, tax-loss harvesting, and more, along with blog guides that explain the rules behind the numbers. Everything on the site is free, and no account or signup is required to use it.

All calculations run directly in your browser. The numbers you enter never reach our servers, which means your tax questions stay private by design. We support the site with advertising displayed in clearly marked slots, and we never charge visitors for access to any tool or article.

3. We Are Not a Government Agency

TaxGainsCalc is an independent educational website. We are not affiliated with, endorsed by, or operating on behalf of the Internal Revenue Service, the Treasury Department, any state revenue agency, or any other government body. The official IRS website is irs.gov, and only filings made through official channels have any legal effect.

Nothing on this site is submitted to the IRS or any state on your behalf. We cannot file your taxes, represent you in an audit, or obtain any ruling or determination for you. When our guides tell you how a rule works, we cite the publication or regulation it comes from so you can confirm it at the source.

4. No Tax, Legal, or Financial Advice

We are not CPAs, enrolled agents, attorneys, or registered tax return preparers. Our founder is an experienced web publisher and researcher, not a licensed tax professional, and no contributor at TaxGainsCalc holds a professional license to practice before the IRS. For that reason, nothing on this site constitutes tax, legal, or financial advice.

Our calculators produce estimates based on the numbers you enter and the published federal rules for 2025 and 2026. Your actual tax liability depends on facts and elections we cannot see, and a licensed professional who reviews your full situation is the only person qualified to advise you. Always consult a qualified CPA, enrolled agent, or tax attorney before acting on anything you read here.

5. Calculator Limitations

Our calculators are estimation tools, and every estimate has limits. They model the most common federal rules — holding periods, ordinary and long-term rates, the Section 121 exclusion, depreciation recapture, and the 3.8% NIIT — but they cannot model every state's rules, every special case, or every election available to you. Results can differ from your real return for reasons including filing status nuances, state-specific treatment, carryover losses, and mid-year law changes.

We update the underlying figures when the IRS publishes new inflation adjustments, such as Revenue Procedure 2025-32 for tax year 2026. Even so, the numbers you see on screen are only as current as our last update and only as complete as the inputs you provide. Treat every result as a starting point for planning, not as a number you can file.

6. Permitted Use

You may use TaxGainsCalc for personal, non-commercial purposes. You may run calculations for yourself or your family, read and share links to our guides, and print pages for your own reference. Teachers, students, and journalists may reference our content with attribution and a link to the original page.

If you run a firm, you may direct clients to our public pages, but you may not embed, resell, or rebrand our tools as your own without written permission. We want the site to be useful to as many people as possible, and these rules exist to keep it free and available for everyone.

7. Prohibited Conduct

To keep the site fast and fair, you agree not to misuse it. Specifically, you agree that you will not:

• Attempt to breach, probe, or disrupt our servers, content delivery network, or database infrastructure
• Scrape, mirror, or bulk-download the site with automated tools in a way that degrades service for other visitors
• Repackage our calculators, articles, or data as part of a competing paid product
• Present our content as official IRS guidance or as personalized professional advice
• Use the site to transmit unlawful, fraudulent, or harmful material, or to violate any applicable law
• Circumvent advertising or access controls on the site

We reserve the right to block access from any visitor or network that violates these rules, and to pursue available legal remedies where the conduct causes real harm.

8. Intellectual Property

The TaxGainsCalc name, logo, calculator designs, article text, and site code are owned by us or licensed to us. All rights not expressly granted in Section 6 are reserved. Copying our content for republication, training machine-learning models, or commercial redistribution without permission is not allowed.

Government facts themselves belong to everyone. Tax rates, thresholds, filing rules, and statutory language originate from public sources like the Internal Revenue Code and IRS publications, and nothing in these terms restricts anyone from using those primary sources directly.

9. Third-Party Links

Our guides link to official resources such as IRS publications, Treasury regulations, and state revenue departments, and occasionally to other helpful references. We link to these because they are useful, not because we control them. We do not endorse and are not responsible for the content, accuracy, or privacy practices of any third-party site.

When you leave taxgainscalc.com through a link, you are subject to that destination's terms and policies. If you find that one of our outbound links points to something wrong or harmful, please tell us at taxgainscalc@gmail.com so we can review and fix it.

10. Advertisements

TaxGainsCalc is funded by advertising. We display ads through Google AdSense and may work with other networks as the site grows. Ads appear in designated header, sidebar, and in-content slots that are visually separate from article text and calculator interfaces, and we never let advertisers influence what our guides say.

Ad networks may use cookies to show you more relevant ads based on your visits to this and other sites. You can read the details in our Privacy Policy, and you can control personalized advertising through Google Ads Settings or aboutads.info. We do not sell your personal information to advertisers, and we do not accept payment for editorial coverage.

11. Disclaimer of Warranties

The site and all content are provided "as is" and "as available" without warranties of any kind, whether express or implied. To the fullest extent permitted by law, we disclaim implied warranties of merchantability, fitness for a particular purpose, accuracy, and non-infringement. We do not promise that the site will be uninterrupted, error-free, or available at any particular time.

Estimates produced by our calculators are not guarantees of any tax outcome. Tax law changes, individual circumstances differ, and software — ours or anyone's — can contain errors. Use the site as one input among several in your planning, and verify anything important against official sources before you rely on it.

12. Limitation of Liability

To the fullest extent permitted by law, TaxGainsCalc and its founder will not be liable to you for any indirect, incidental, consequential, special, or punitive damages, or for any lost profits, tax penalties, interest, or professional fees, arising out of or related to your use of the site. This applies even if we have been advised of the possibility of such damages.

Where liability cannot be excluded, our total aggregate liability for any claim relating to the site is limited to one hundred United States dollars (USD $100). Some jurisdictions do not allow certain limitations in this section, and in those jurisdictions our liability is limited to the smallest amount the law allows.

13. Indemnification

You agree to indemnify and hold harmless TaxGainsCalc and its founder from any claims, damages, losses, or expenses (including reasonable attorneys' fees) arising from your violation of these terms, your misuse of the site, or content you submit to us such as comments or correction requests. We reserve the right to control the defense of any matter subject to this section.

This protection does not apply where it would be unlawful, and nothing in it limits rights you may have as a consumer under mandatory local law.

14. Changes to These Terms

We may revise these terms at any time. Material changes — for example, a new feature that changes how the service works, or a new advertising partner — will be reflected on this page with a fresh update date. We keep past versions of the page on file so that a visitor who relied on earlier terms can ask us what changed and when.

It is your responsibility to review this page periodically. If you keep using the site after a revision is posted, the revised terms apply to you from that point forward.

15. Governing Law

These terms are governed by the laws of the United States and the State of Delaware, without regard to conflict-of-law principles. Any dispute that cannot be resolved informally will be handled in the state or federal courts located in Delaware, and you consent to their jurisdiction in that case.

If any provision of these terms is found unenforceable, the remaining provisions continue in full force, and the unenforceable provision is replaced with the closest enforceable one that matches the original intent.

16. Contact

Questions about these terms, permission requests, or reports of misuse can go straight to us at taxgainscalc@gmail.com. We answer every email personally, usually within one to two business days. For legal notices, please include the specific page and provision you are writing about so we can respond accurately.

You can also reach the site through our Contact page, which lists the best channels for corrections, topic suggestions, press inquiries, and advertising questions.