Beta service terms
Effective September 12, 2026. Residual Forge provides Residual Payoff as an educational household planning beta for adults in the United States.
Use the estimates with your statements
Calculations depend on your inputs, available bank data and each worksheet’s stated assumptions. They are not lender payoff quotes, personalized financial advice, credit offers or guarantees of savings. Verify balances, due dates, APRs, payment allocation and prepayment terms with your lenders before acting. Bank data may be incomplete or delayed.
You make your own payments. The app does not execute payments, move money, open credit lines or provide human financial coaching. Credit-line simulations can show loss or funding failure. Home-secured borrowing places your home at risk; a favorable hypothetical result is not a recommendation to borrow.
Accounts and service availability
Use only accounts and information you are authorized to access. Protect your sign-in and exported files. Do not interfere with the service, bypass access controls or use it unlawfully. The beta may change or be interrupted. Keep your own copies of important plans and lender records.
Local planning is currently free. Paid subscriptions are not open. If enabled later, Stripe checkout will show the actual recurring price and terms before you purchase; proposed prices on the marketing page are not a charge. The billing portal provides subscription management and cancellation. Deleting financial data does not cancel billing.
Independence, support and feedback
Residual Payoff is independently developed and is not affiliated with Money Max Account. It does not claim to reproduce a private algorithm, lender-specific contract or another provider’s coaching service. Any bank connection depends on Plaid approval, user authorization and institution support.
Send service, billing, correction and privacy requests to srikantvoruganti@gmail.com. No response-time guarantee is offered during beta. These terms do not limit rights that cannot be limited under applicable law. Updated terms will be posted here with their effective date.