Welcome to the US Life Financial Planner & Budget Dashboard – your comprehensive financial planning companion designed to empower individuals and families across the United States to take control of their financial future.
Our Mission
Our mission is to democratize financial planning by providing free, powerful, and easy-to-use tools that help Americans understand their finances, optimize their tax strategy, and build lasting wealth. We believe that everyone deserves access to sophisticated financial planning tools, regardless of their income level or financial knowledge.
What We Offer
The US Life Financial Planner & Budget Dashboard is an all-in-one financial planning platform that provides:
Advanced Tax Calculation: Accurate federal and state tax calculations based on current IRS guidelines, including itemized deductions, tax credits, and self-employment tax.
Retirement Planning: 401(k), IRA, HSA, and catch-up contribution tracking with automatic limit validation.
Tax Credits & Deductions: Child Tax Credit, Earned Income Tax Credit (EITC), education credits, childcare credits, and more.
Budget Optimization: 50/30/20 budget analysis, expense tracking, and debt management with DTI ratio monitoring.
College Savings Planning: 529 plan projections and Coverdell ESA tracking to help you save for your children's education.
Wealth Forecasting: 10-year net worth projections with inflation adjustment and emergency fund status monitoring.
Scenario Planning: Test different financial scenarios (raises, new car purchases, new baby, increased savings) to see their impact.
Who We Serve
Our tools are designed for:
Working professionals planning for retirement
Families managing household budgets and saving for college
Freelancers and self-employed individuals navigating complex tax situations
Anyone seeking to optimize their tax strategy and build wealth
Individuals preparing for major life changes (marriage, children, career moves)
Our Commitment to Privacy
Your financial data is 100% private. All calculations are performed locally in your browser – we never store, transmit, or access your personal financial information. You maintain complete control and ownership of your data.
Always Up-to-Date
We monitor IRS policy changes and update our calculator regularly to reflect the latest tax brackets, standard deductions, contribution limits, and credit amounts.
Contact Us
Have questions, feedback, or suggestions? We'd love to hear from you! Visit our Contact Us page to get in touch.
The US Life Financial Planner & Budget Dashboard is a free educational tool. We are committed to helping Americans achieve financial confidence and security.
Privacy Policy
Effective Date: December 10, 2024
Last Updated: December 10, 2024
1. Introduction
Welcome to the US Life Financial Planner & Budget Dashboard ("we," "our," or "us"). We are committed to protecting your privacy and ensuring the security of your personal financial information. This Privacy Policy explains how we handle your data when you use our financial planning tools.
2. Data Collection and Storage
We do NOT collect, store, or transmit your personal financial data.
All financial calculations performed by the US Life Financial Planner & Budget Dashboard occur entirely within your web browser (client-side processing). This means:
Your income, expenses, tax information, and other financial data never leave your device
We do not have access to any of your financial inputs or calculations
No personal financial data is transmitted to our servers or any third-party services
Your data is stored only in your browser's local memory during your session
3. Local Processing Only
The US Life Financial Planner & Budget Dashboard is a static web application that runs entirely in your browser using JavaScript. When you enter financial information:
Data is processed locally on your device
Calculations are performed using your browser's computational resources
Results are displayed instantly without any server communication
When you close your browser or refresh the page, your data is cleared unless you manually save it
4. Cookies and Tracking
We do not use cookies, tracking pixels, or any other tracking technologies to monitor your activity or collect personal information. Our application does not track:
Your browsing behavior
Your financial inputs
Your calculation results
Any personally identifiable information (PII)
5. Third-Party Services
The US Life Financial Planner & Budget Dashboard uses the following third-party resources delivered via Content Delivery Networks (CDNs):
Chart.js: For data visualization (charts and graphs)
Google Fonts: For typography (Inter font family)
These resources are loaded from external CDNs for performance purposes. However, no financial data is sent to these services. Only standard web requests (such as font files and JavaScript libraries) are made.
6. Security
Since we do not collect or store your data, there is no centralized database that could be compromised. Your financial information remains on your device and is never exposed to potential data breaches from our systems.
Best Practices for Users:
Use this tool on a secure, trusted device
Ensure your device has up-to-date antivirus and security software
Clear your browser cache if using a shared or public computer
7. Children's Privacy
Our service is not intended for children under the age of 13. We do not knowingly collect or process information from children. If you are under 13, please do not use this application.
8. Changes to This Privacy Policy
We may update this Privacy Policy from time to time to reflect changes in our practices or legal requirements. Any changes will be posted on this page with an updated "Last Updated" date. We encourage you to review this policy periodically.
9. Your Rights
Because we do not collect or store your personal data, there is no data for you to request, modify, or delete from our systems. You maintain complete control over your information at all times.
10. Contact Us
If you have any questions or concerns about this Privacy Policy or our data practices, please contact us through our Contact Us page.
Summary: Your financial data is yours alone. We never see it, store it, or share it. All processing happens locally on your device.
Disclaimer
Effective Date: December 10, 2024
Last Updated: December 10, 2024
Important Notice
PLEASE READ THIS DISCLAIMER CAREFULLY BEFORE USING THE US LIFE FINANCIAL PLANNER & BUDGET DASHBOARD.
1. Educational Tool Only
The US Life Financial Planner & Budget Dashboard is provided as a free educational and informational tool to assist individuals with personal financial planning and budgeting. It is NOT a substitute for professional financial, tax, legal, or investment advice.
2. Not Financial or Tax Advice
The information, calculations, projections, and recommendations provided by this tool are for general informational and illustrative purposes only. They should not be construed as:
Professional financial advice
Tax planning or preparation services
Legal advice
Investment recommendations
Accounting services
Estate planning guidance
You should consult with qualified professionals (such as certified financial planners, CPAs, tax attorneys, or investment advisors) before making any financial, tax, or investment decisions.
3. Estimates and Approximations
All tax calculations, projections, and financial analyses provided by this tool are estimates based on simplified models and current tax law. Actual results may vary significantly due to:
Changes in federal, state, or local tax laws and regulations
Individual circumstances not captured by the calculator
Complex tax situations (e.g., alternative minimum tax, phase-outs, special deductions)
Market performance and economic conditions
Inflation rates and investment returns
Errors or omissions in user inputs
4. Tax Law Complexity
The U.S. tax code is highly complex and subject to frequent changes. While we strive to keep our calculator updated with the latest IRS guidelines and tax brackets:
Tax laws change annually and sometimes mid-year
This tool cannot account for all special circumstances, deductions, credits, or phase-outs
State and local tax rules vary widely and may not be fully represented
Tax situations involving businesses, trusts, estates, or foreign income require specialized advice
Always consult with a qualified tax professional for accurate tax planning and filing.
5. No Guarantee of Accuracy
While we make every effort to ensure the accuracy and reliability of our calculations, we do not guarantee that the information provided is:
Accurate, complete, or up-to-date
Suitable for your specific financial situation
Free from errors, bugs, or technical issues
Compliant with all applicable laws and regulations
6. No Warranty
This tool is provided on an "AS IS" and "AS AVAILABLE" basis, without any warranties of any kind, either express or implied, including but not limited to:
Warranties of merchantability
Fitness for a particular purpose
Non-infringement
Accuracy or reliability
7. Limitation of Liability
To the fullest extent permitted by law, we (the creators and operators of the US Life Financial Planner & Budget Dashboard) shall NOT be liable for any:
Direct, indirect, incidental, special, consequential, or punitive damages
Financial losses or tax liabilities resulting from use of this tool
Errors or omissions in calculations or projections
Decisions made based on information provided by this tool
Loss of data, profits, revenue, or business opportunities
You use this tool at your own risk.
8. User Responsibility
By using this tool, you acknowledge and agree that:
You are solely responsible for verifying the accuracy of all calculations
You will not rely solely on this tool for tax filing, financial planning, or investment decisions
You will seek professional advice for complex or significant financial matters
You understand the limitations of automated financial planning tools
You will independently verify all results before taking any financial action
9. Investment and Market Risks
Any projections related to investment growth, retirement savings, or wealth accumulation are hypothetical and not guaranteed. Actual investment performance may be higher or lower than projected due to:
Market volatility and economic conditions
Changes in interest rates and inflation
Individual investment choices and risk tolerance
Fees, taxes, and transaction costs
Past performance does not guarantee future results.
10. No Professional Relationship
Use of this tool does NOT create a professional relationship between you and the creators/operators of this application. We are not acting as your:
Financial advisor
Tax preparer or CPA
Attorney
Investment advisor
Fiduciary
11. State-Specific Considerations
Tax laws, deductions, and credits vary significantly by state and locality. This tool provides general estimates and may not account for all state-specific rules, exemptions, or credits. Consult a tax professional familiar with your state's tax code.
12. Regulatory Compliance
This tool is not intended to provide advice regulated by the Securities and Exchange Commission (SEC), Financial Industry Regulatory Authority (FINRA), or any other regulatory body. If you need regulated financial advice, consult a licensed professional.
13. Changes to This Disclaimer
We reserve the right to modify this disclaimer at any time. Changes will be posted on this page with an updated "Last Updated" date. Your continued use of this tool after changes are posted constitutes acceptance of the revised disclaimer.
14. Jurisdiction
This disclaimer is governed by the laws of the United States. Any disputes arising from the use of this tool shall be resolved in accordance with applicable federal and state laws.
15. Contact Information
If you have questions about this disclaimer, please contact us through our Contact Us page.
BY USING THIS TOOL, YOU ACKNOWLEDGE THAT YOU HAVE READ, UNDERSTOOD, AND AGREED TO THIS DISCLAIMER.
Remember: When it comes to your finances, professional guidance is invaluable. Use this tool as a starting point, but always verify with qualified professionals before making important financial decisions.
Terms and Conditions
Effective Date: December 10, 2024
Last Updated: December 10, 2024
1. Acceptance of Terms
Welcome to the US Life Financial Planner & Budget Dashboard (the "Service"). By accessing or using this Service, you agree to be bound by these Terms and Conditions ("Terms"). If you do not agree to these Terms, please do not use the Service.
2. Description of Service
The US Life Financial Planner & Budget Dashboard is a free, web-based financial planning tool that provides:
Tax calculation estimates based on federal and state tax laws
Budget planning and expense tracking
Retirement savings projections (401k, IRA, HSA)
College savings planning (529 plans, Coverdell ESA)
Debt management and DTI ratio analysis
Wealth forecasting and scenario planning
3. Eligibility
You must be at least 18 years of age to use this Service. By using the Service, you represent and warrant that you meet this age requirement.
4. License to Use
We grant you a limited, non-exclusive, non-transferable, revocable license to access and use the Service for personal, non-commercial purposes only. You may not:
Modify, copy, distribute, or create derivative works based on the Service
Reverse engineer, decompile, or disassemble any part of the Service
Use the Service for any commercial purpose without our express written permission
Frame or mirror any part of the Service on another website
Use automated tools (bots, scrapers) to access the Service
Attempt to gain unauthorized access to any part of the Service
5. User Responsibilities
When using the Service, you agree to:
Provide accurate and complete information
Use the Service in compliance with all applicable laws and regulations
Not use the Service for any unlawful or prohibited purpose
Not interfere with or disrupt the Service or servers hosting the Service
Not transmit any viruses, malware, or harmful code
Independently verify all calculations and projections before making financial decisions
Consult with qualified professionals for important financial, tax, or legal matters
6. Intellectual Property Rights
All content, features, and functionality of the Service, including but not limited to:
Software code and algorithms
Design, graphics, and user interface
Text, images, and documentation
Trademarks, logos, and branding
are the exclusive property of the US Life Financial Planner & Budget Dashboard and are protected by copyright, trademark, and other intellectual property laws. You may not use, reproduce, or distribute any content without our express written permission.
7. Privacy and Data Protection
Your use of the Service is governed by our Privacy Policy, which is incorporated into these Terms by reference. By using the Service, you consent to our privacy practices as described in the Privacy Policy.
Key Privacy Points:
We do NOT collect, store, or transmit your financial data
All calculations are performed locally in your browser
Your data never leaves your device
We do not track your activity or use cookies for tracking purposes
8. Disclaimers and Limitations
Please review our comprehensive Disclaimer, which is incorporated into these Terms by reference. Key points include:
This Service is for educational purposes only and is not professional financial or tax advice
All calculations and projections are estimates and may not reflect actual results
We make no guarantees regarding accuracy, completeness, or suitability for your needs
The Service is provided "AS IS" without warranties of any kind
We are not liable for any losses, damages, or consequences arising from use of the Service
9. Third-Party Resources
The Service uses third-party resources such as:
Chart.js (for data visualization)
Google Fonts (for typography)
These resources are subject to their own terms of service and privacy policies. We are not responsible for the content, functionality, or policies of third-party services.
10. Availability and Modifications
We reserve the right to:
Modify, suspend, or discontinue the Service (or any part thereof) at any time without notice
Update tax calculations, formulas, and features to reflect current laws and best practices
Change these Terms at any time by posting updated Terms on this page
Your continued use of the Service after changes are posted constitutes acceptance of the modified Terms.
11. Termination
We reserve the right to terminate or suspend your access to the Service at any time, without notice, for any reason, including but not limited to:
Violation of these Terms
Fraudulent, abusive, or illegal activity
Technical or security reasons
Upon termination, your right to use the Service will immediately cease.
12. No Professional Relationship
Use of this Service does NOT create any professional, fiduciary, advisory, or client relationship between you and the creators or operators of the Service. We are not acting as your:
Financial advisor or planner
Tax preparer or accountant (CPA)
Attorney or legal counsel
Investment advisor or broker
13. Indemnification
You agree to indemnify, defend, and hold harmless the US Life Financial Planner & Budget Dashboard, its creators, operators, affiliates, and licensors from any claims, damages, losses, liabilities, and expenses (including attorney fees) arising from:
Your use or misuse of the Service
Your violation of these Terms
Your violation of any rights of another party
Any financial decisions made based on information from the Service
14. Limitation of Liability
TO THE FULLEST EXTENT PERMITTED BY LAW:
We shall NOT be liable for any indirect, incidental, special, consequential, or punitive damages
We shall NOT be liable for any loss of profits, revenue, data, or business opportunities
Our total liability for any claims related to the Service shall NOT exceed $100 (or the amount you paid to use the Service, which is $0)
15. Governing Law and Dispute Resolution
These Terms shall be governed by and construed in accordance with the laws of the United States, without regard to conflict of law principles.
Any disputes arising from these Terms or your use of the Service shall be resolved through:
Informal negotiation: You agree to contact us first to attempt to resolve any dispute informally
Binding arbitration: If informal resolution fails, disputes shall be resolved through binding arbitration in accordance with applicable arbitration rules
You waive your right to participate in class action lawsuits or class-wide arbitration.
16. Severability
If any provision of these Terms is found to be invalid, illegal, or unenforceable, the remaining provisions shall continue in full force and effect.
17. Entire Agreement
These Terms, together with our Privacy Policy and Disclaimer, constitute the entire agreement between you and the US Life Financial Planner & Budget Dashboard regarding the Service.
18. Waiver
Our failure to enforce any provision of these Terms shall not constitute a waiver of that provision or any other provision.
19. Contact Information
If you have questions about these Terms and Conditions, please contact us through our Contact Us page.
20. Acknowledgment
BY USING THE US LIFE FINANCIAL PLANNER & BUDGET DASHBOARD, YOU ACKNOWLEDGE THAT YOU HAVE READ, UNDERSTOOD, AND AGREE TO BE BOUND BY THESE TERMS AND CONDITIONS.
Last Updated: December 10, 2024. Please check back periodically for updates to these Terms.
Contact Us
We'd love to hear from you! Whether you have questions, feedback, suggestions, or need support, feel free to reach out to us.
Get in Touch
Please use the form below to send us a message. We'll do our best to respond to your inquiry as quickly as possible.
Send Us a Message
Thank you for your message! Your inquiry has been received. We'll get back to you soon.
Frequently Asked Questions
How accurate are the tax calculations?
Our tax calculations are based on current IRS guidelines and tax brackets for 2024. However, they are estimates for educational purposes. For precise tax planning and filing, please consult a qualified CPA or tax professional.
Is my financial data safe?
Absolutely! All calculations are performed locally in your browser. We never collect, store, or transmit your financial information. Your data remains 100% private. See our Privacy Policy for details.
Can I use this tool for tax filing?
This tool is designed for planning and estimation purposes only. It is not a substitute for professional tax preparation software or services. We recommend using certified tax software or hiring a professional for actual tax filing.
How often are tax rates and limits updated?
We monitor IRS policy changes and update our calculator regularly when significant tax law changes occur. Check back regularly for the latest updates.
Do you offer financial planning services?
No, we provide a free educational tool only. We do not offer professional financial planning, investment advisory, or tax preparation services. Please consult licensed professionals for personalized advice.
Can I suggest new features?
Absolutely! We welcome your feedback and suggestions. Use the contact form above to share your ideas for improvements or new features.
Support
If you encounter technical issues or bugs while using the dashboard, please provide the following information in your message:
Your web browser (Chrome, Firefox, Safari, etc.) and version
Your operating system (Windows, Mac, Linux, iOS, Android)
A detailed description of the issue
Steps to reproduce the problem (if applicable)
Follow Us
Stay updated with the latest features, tax law changes, and financial planning tips:
Website: US Life Financial Planner & Budget Dashboard
Documentation: Check our About Us page for detailed information
We appreciate your interest in the US Life Financial Planner & Budget Dashboard. Your feedback helps us improve and serve you better!