Terms of Use
Last updated:
These terms apply when you use calcistry.com ("Calcistry", "we", "us"). They are written in plain English on purpose. By using the site you agree to them; if you do not agree, please do not use it.
Educational tools, not financial advice
Calcistry provides calculators and guides for general education and information only. Nothing on the site is personal financial, investment, tax, pension, mortgage or legal advice, and nothing is a recommendation to buy, sell or hold any product. We do not know your full circumstances, and the tools do not take them into account. For decisions that matter, speak to a qualified, regulated adviser.
Results are estimates, with no guarantee
- Every result is an estimate based on the numbers you enter and the assumptions stated on each page — for example a constant rate of return, or tax rules applying in a particular way.
- Real outcomes will differ. Investment returns are not guaranteed, the value of investments can fall as well as rise, and you may get back less than you put in.
- We work hard to keep the maths correct and show every formula so you can check it, but we do not guarantee that any figure, page or tool is complete, accurate, current or suitable for your purpose.
How figures are reviewed
Each calculator page shows a "Reviewed" date and lists its method and sources. Calculation engines are checked against reference values and independent recomputation before they are published. A reviewed date tells you when the page was last checked — not that it is still correct today.
UK tax rules can change
Our UK calculators use the rates, bands and allowances published on GOV.UK for the tax year stated on each page. Tax rules change, often at short notice, and depend on your individual circumstances and where in the UK you live. Always check the current position on GOV.UK or with HMRC before acting on a figure.
Using the site
- You may use the calculators freely for your own personal, non-commercial purposes.
- You may embed our calculators on your own site using the code on our embed page, without changing the attribution.
- Please do not copy the site's text, code or design wholesale, attempt to disrupt the site, or use it for anything unlawful.
Links to other websites
We link to other sites, such as GOV.UK, for sources and further reading. We are not responsible for their content, availability or accuracy, and a link is not an endorsement.
Limits of our liability
The site is provided free of charge and "as is". To the extent the law allows, we are not liable for any loss or damage — including financial loss, lost profits or lost opportunities — that arises from using, or relying on, the site or any result it produces. You are responsible for the decisions you make.
Nothing in these terms limits or excludes any liability that cannot be limited or excluded by law, such as liability for death or personal injury caused by negligence, or for fraud. If you use the site as a consumer, these terms do not affect your statutory rights.
Changes to these terms
We may update these terms from time to time. The "last updated" date above shows the current version, and continuing to use the site means you accept the version in force at that time.
Governing law
These terms are governed by the law of England and Wales, and the courts of England and Wales have jurisdiction over any dispute. If you live elsewhere in the UK, you may also bring proceedings in your local courts.
See also our Privacy Policy and Affiliate Disclosure.