Terms of Use

Last updated: June 2025

1. Acceptance of terms

By accessing or using calculators.finance ("the Site"), you agree to these Terms of Use. If you do not agree, please do not use the Site. We reserve the right to update these terms at any time; continued use following an update constitutes acceptance.

2. Nature of the service

Calculators.Finance provides free online financial calculation tools for UK residents. All calculators:

• Are based on HMRC-published rates and thresholds for the 2025/26 tax year (or as otherwise stated)
• Perform calculations entirely in your browser — no data is sent to our servers
• Are provided free of charge for personal and commercial informational use
• Are updated at the start of each tax year and when HMRC publishes in-year changes

3. Not financial advice

Nothing on this Site constitutes regulated financial advice, tax advice, investment advice, or legal advice. The results produced by our calculators are illustrative estimates based on the inputs you provide and the tax rules in effect at the time of the calculation.

Calculators cannot account for your complete financial picture, HMRC personal circumstances, benefits in kind beyond those entered, complex self-assessment situations, or changes in tax law between publication and use. For decisions involving significant sums or complexity, consult a qualified financial adviser (FCA-regulated), chartered accountant (ICAEW or ICAS-qualified), or solicitor as appropriate.

4. Accuracy and limitations

We make every reasonable effort to ensure our calculators reflect current HMRC rates. However:

• We make no warranty that results are complete, accurate, or up to date for your specific circumstances
• Tax legislation and HMRC guidance can change; there may be a delay between a change and our update
• Simplified assumptions are sometimes necessary (e.g., annual salary input for NI calculations)
• Results should be verified against HMRC's own tools or published guidance before use in official filings

5. Limitation of liability

To the fullest extent permitted by law, Calculators.Finance accepts no liability for:

• Any financial loss arising from reliance on calculator results
• Errors, omissions, or inaccuracies in any calculator output
• Interruptions to service or technical errors
• Decisions made in reliance on this Site's content

6. Permitted use

You may use this Site for personal or business informational purposes. You may not:

• Reproduce, resell, or commercially exploit the Site's tools without permission
• Attempt to reverse-engineer, scrape, or systematically extract data from the Site
• Use the Site in any way that violates applicable law or regulation
• Misrepresent calculator outputs as official HMRC figures or formal financial assessments

7. Intellectual property

All content, code, design, and copy on this Site is the property of Calculators.Finance. HMRC tax rates and thresholds referenced are public information published by His Majesty's Revenue and Customs.

8. Third-party content

The Site displays third-party advertisements (Google AdSense) and loads fonts from Google. We are not responsible for the content or privacy practices of these third parties. See our Privacy Policy for details.

9. Governing law

These terms are governed by the laws of England and Wales. Any disputes shall be subject to the exclusive jurisdiction of the courts of England and Wales.

10. Contact

Questions about these terms: hello@calculators.finance