Terms of use

General information, not advice

The calculators and guides on this site provide general information only. They do not take account of your objectives, financial situation or needs, and they are not financial, tax, legal or investment advice. Before making a financial decision, consider whether the information is appropriate for you and seek advice from a qualified professional.

No guarantee of accuracy

The calculations are tested and their assumptions are stated, but results depend entirely on the figures and assumptions you enter, they leave out tax and many costs, and they cannot predict the future. The site is provided as it is, without any warranty that it is accurate, complete or suitable for any purpose.

Limitation of liability

To the extent the law allows, the operators of this site are not liable for any loss arising from the use of, or reliance on, the site or its results. Nothing in these terms excludes any right or guarantee that cannot be excluded by law.

Using the site

• You may use the calculators and share links to your scenarios freely.
• You may quote short extracts from the guides with a link back to the page. Please do not copy whole pages.
• Do not attempt to disrupt the site or use it for anything unlawful.

Links and advertising

The site may link to, or show advertising from, other websites. We do not control them and are not responsible for their content, products or practices.

Privacy

The figures you enter stay in your browser. The privacy page explains what is and is not collected.

Changes

These terms may be updated from time to time. The version on this page is the one that applies.