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 equal monthly payments. The mortgage calculator includes entered fees and supports interest-only estimates, which leave capital to repay separately. The loan calculator excludes fees. Neither models rate changes, overpayments 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 inflation, fees and relevant taxes as stated on each tool. 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].