Last updated: November 3, 2026
These terms apply to growingtendies.com, its calculators and its downloads. By using the site you agree to them. If you don't agree, please don't use the site.
Growing Tendies is a personal finance and trading site run by one person: articles, a trading journal, free calculators, and a free desktop app. Nothing is sold here.
Everything on this site is for information and education. It is not investment, financial, legal or tax advice, and Growing Tendies is not a registered investment adviser or broker-dealer. The disclaimer explains this in full, including the risk of loss and the limits of personal and backtested results, and is part of these terms.
The calculators give estimates from the numbers you enter and the assumptions each page states. They can be wrong, they may not match your broker, and they are not a substitute for your broker's own figures. Check anything that matters before you act on it.
Software offered for download, such as Spend Tracker, is provided under the license that comes with it, as is, without any warranty. Keep your own backups of anything you put into it.
Some links go to other companies' sites, and some of those are affiliate or referral links that can earn this site a commission. Those sites have their own terms and privacy policies, and Growing Tendies is not responsible for their content, products or services.
The articles, charts, images and code on this site belong to Growing Tendies unless a page says otherwise. You are welcome to link to any page and to quote a short passage with a link back. Please don't republish whole articles or charts without permission.
Don't use the site for anything unlawful, try to break or overload it, scrape it in bulk, or send spam or harmful code through its forms.
If you send a message, idea or feedback through the contact form or by email, Growing Tendies may use it to improve the site without owing you anything for it. Personal information you send is handled as the privacy policy describes.
The site, its content, calculators and downloads are provided as is and as available, without warranties of any kind, and may contain errors or be unavailable at times. To the fullest extent the law allows, Growing Tendies is not liable for any loss or damage arising from your use of the site, including any trading or investment loss. Some places don't allow these limits, so they apply only as far as the law where you live permits.
These terms are governed by the laws of the United States.
These terms may change. When they do, the date at the top changes with them, and using the site afterward means you accept the new version.
Questions about these terms go through the contact page.
