Email hello@debtclaritytools.com. Messages go straight to Dr. James Frederick Smiling and get a reply in 1-2 business days. Refunds within 30 days are honored, no questions.
There is no contact form and no ticket queue. Last updated: August 29, 2026.
Email goes directly to Dr. James Frederick Smiling, Ph.D., the PhD Mathematician who built the site. Not a chatbot, not a ticket queue.
Email hello@debtclaritytools.com. That is the only channel, there is no contact form and no phone line, and the inbox is monitored Monday through Friday, 9am to 5pm US Eastern Time.
Six topics cover almost every message we get. Tapping any link below opens your email app with the subject line already filled in, which is the fastest route to a same-day answer.
Got an unexpected result? Found a number that looks off? Tell us which calculator, the inputs you used, and what you expected.
Email about a calculator →Trouble downloading? Question about content? We’ll get you sorted same day in most cases.
Email about a guide →Refund requests within 30 days of purchase are honored without questions. Include the email used at checkout and the order date.
Request a refund →We have free embed codes for all eight calculators. Embedding instructions are at /for-webmasters, email us if you have a special use case.
Email about embeds →Writing a debt-related article and want a quote, data, or a calculator screenshot? Happy to help, tell us your outlet and deadline.
Press & partnerships →To unsubscribe, use the link at the bottom of any email we’ve sent. To update your email address or report a delivery issue, email us directly.
Email about subscriptions →Reply times, the 30-day refund rule, whether we give personal financial advice, embed permissions, and what happens to the numbers you type into a calculator.
Most replies go out within 1-2 business days, Monday through Friday, US Eastern Time. Urgent purchase or refund issues are usually handled the same business day. If a week passes without a reply, please email again, occasionally Gmail or Outlook will route a message to spam on either end.
Email hello@debtclaritytools.com with the email address used at checkout and the order date. Refund requests received within 30 days of purchase are honored without questions. The refund is processed by SamCart and typically appears on your statement within 3-7 business days.
No. Debt Clarity Tools is an educational publisher, not a licensed financial advisor. The calculators and guides are designed to give you accurate math and clear information so you can either make a confident decision yourself or take that math to a qualified professional. See our Terms of Use for details.
Yes, free embed codes for all eight calculators are available at debtclaritytools.com/for-webmasters. The only requirement is a visible attribution link near the calculator. No signup, no fees, no API keys.
Email hello@debtclaritytools.com with: the page URL, the device and browser you were using, and a short description of what you expected versus what you saw. A screenshot is a huge help when possible. Reports are reviewed within 1 business day and bug fixes typically ship within a week.
No. All eight calculators run entirely in your browser. Your balances, APRs, and payment amounts are never sent to a server, never written to a database, and never sold. There is no signup and no account. The one exception is opt-in: if you type your email into the "email me my payoff plan" box on a calculator, that email address goes to our mailing list so the plan can be sent, and every message carries an unsubscribe link. Please still avoid emailing us full account numbers or statement photos, we never need them to help you.
No. The site is editorially independent and we do not publish guest articles, sponsored posts, or paid placements. Every article is written or reviewed by Dr. James Smiling.
The About page has a full bio for Dr. James Frederick Smiling, including his PhD credential, current academic position, and the values behind Debt Clarity Tools. You can also connect on LinkedIn.