noyoucant.app ("the Site") is a free, client-side purchase affordability calculator built for entertainment and educational purposes. It is not a financial advisory service, tax preparation tool, investment recommendation engine, or substitute for professional financial advice. If you're making a major financial decision, talk to an actual human professional — preferably one with a license and a fiduciary duty.
Nothing on this Site constitutes financial, investment, tax, or legal advice. The calculations, scores, verdicts, and recommendations provided are rough estimates based on simplified models and publicly available tax data. They do not account for your full financial picture, applicable deductions, credits, or individual circumstances. The "score" is a vibe check, not a credit report.
We try to keep tax brackets, rates, and financial assumptions reasonably current, but we make no guarantees about accuracy, completeness, or timeliness. Tax laws change. Interest rates fluctuate. Our math might be off. Don't bet the farm on it — actually, don't bet anything on it.
The Site is provided "as is" and "as available" without warranties of any kind, express or implied, including but not limited to implied warranties of merchantability, fitness for a particular purpose, and non-infringement. We don't guarantee the Site will be error-free, uninterrupted, or that results will be accurate.
To the maximum extent permitted by law, noyoucant.app and its creators shall not be liable for any direct, indirect, incidental, special, consequential, or punitive damages arising from your use of the Site, including but not limited to financial losses, missed opportunities, regrettable purchases, or the emotional devastation of being told "No, You Can't." You use this tool at your own risk.
All calculations run entirely in your browser. We don't collect, store, or transmit any of the financial information you enter. Your salary, savings, and questionable purchase decisions stay between you and your browser. See our Privacy Policy for more details.
The Site lets you generate a shareable link that encodes your calculation inputs (item name, price, income, expenses, savings, debt) into the URL. When you share that link, anyone who receives it can see the data it contains. We are not responsible for what you choose to share or who you share it with. Think of it like handing someone a Post-it note with your budget on it — once it's out of your hands, it's out of your hands.
The Site's design, code, copy, and personality are ours. You're welcome to use the calculator, share it, and tell your friends about it. You're not welcome to clone it, rebrand it, or sell it. Fair use is cool. Wholesale copying isn't.
We may update these terms from time to time. If we do, we'll update the "Last updated" date above. Continued use of the Site after changes means you accept the new terms. We won't send you a 47-page email about it.
These terms are governed by the laws of the jurisdiction in which the Site operator resides, without regard to conflict of law principles. Any disputes shall be resolved in the courts of that jurisdiction. But honestly, if you're suing a free calculator, we both have bigger problems.
TL;DR — This is a fun tool. It's not advice. Don't blame us. Talk to a real professional for real money decisions.