GoSpend publishes educational content about personal finance — calculators, explainers, and articles about how financial mechanisms work. Please read this before treating anything on the site as more than that.
Not financial, investment, tax, or legal advice
Nothing on GoSpend is personalized financial, investment, tax, or legal advice. Our calculators and articles explain how the math works in general terms; they are not a recommendation to buy, sell, hold, borrow, or take any other specific action with your money. Your situation has details a general article can’t account for — talk to a licensed financial advisor, accountant, or attorney before making decisions with real financial consequences.
Author’s financial interests
GoSpend’s author, Nicholas Bulgin, is an active investor across stocks, cryptocurrency, real estate, and other asset classes. This direct experience informs how we write, but it also means the author has personal financial interests in some of the asset classes discussed on this site. We aim to write in general, educational terms rather than promoting specific investments, but we want that potential conflict of interest on the record.
No guarantee of accuracy
We work to keep figures, rates, and calculators accurate and current (see our Editorial Standards), but financial rules, rates, and limits change, and errors are possible. Verify anything material to a real decision against a primary source or a licensed professional before acting on it.
Risk of loss
Investing of any kind — in stocks, real estate, cryptocurrency, or elsewhere — carries risk, including the risk of losing money. Past performance shown in any example or calculator is not a guarantee of future results.
Links and affiliate relationships
Some pages on GoSpend may in the future contain affiliate or referral links, meaning we could earn a commission if you use them. Where that’s the case, it will be disclosed on the page itself. As of this writing, GoSpend does not run display advertising.
