Financial disclaimer

Understand what an estimate can and cannot tell you.

Last updated: 6 September 2026

General information only

financecalc.co.uk provides educational calculations and explanations. We do not assess your full circumstances, recommend a specific financial product or provide regulated personal advice. Using this website does not create an adviser-client relationship.

Borrowing and property

Borrowing tools assume a constant rate and scheduled monthly payments, with entered fees included. The mortgage calculator supports interest-only estimates, which leave capital to repay separately. The loan calculator supports illustrative overpayments that shorten the term, but excludes early-repayment charges and lender settlement adjustments. Neither tool models rate changes or lender eligibility checks. Stamp Duty Land Tax estimates cover the specific England and Northern Ireland scenarios stated on the tool. Scotland and Wales have different property taxes.

Tax and student loans

Tax-year labels matter. Income Tax estimates do not include all payslip deductions or individual reliefs. Student loan calculations assume the stated repayment plan and pay pattern. Verify actual liabilities and deductions with HMRC, the Student Loans Company or a suitably qualified adviser.

Savings, investments and pensions

Growth illustrations use a constant assumed rate and do not predict future performance. They exclude fees and relevant taxes. The savings tool optionally shows a separate inflation-adjusted balance; other growth tools exclude inflation. Investments can lose value. Pension illustrations are not a retirement income quote and exclude the State Pension.

Check before acting

Read the method and exclusions, use current provider information and official guidance, and seek qualified advice where needed. Tell us about suspected errors at [email protected].