The calculators, tools, and content provided on UK Calculator (ukcalculator.com) are for general informational and educational purposes only. They do NOT constitute professional financial, tax, legal, medical, or any other form of professional advice. Always consult qualified professionals before making important financial, health, or legal decisions.
1. General Disclaimer
UK Calculator provides free online calculator tools designed to help UK residents with various calculations including financial planning, tax estimation, health metrics, and general mathematics. While we strive to provide accurate, helpful, and up-to-date tools, it is essential that you understand the following:
1.1 Informational Purpose Only
All information, calculations, and results provided by our calculators are intended solely for informational and educational purposes. The tools are designed to give you a general understanding of various calculations but should never be relied upon as the sole basis for making important decisions.
1.2 Not a Substitute for Professional Services
Our calculators are NOT a substitute for professional services from qualified accountants, financial advisers, solicitors, medical practitioners, or other licensed professionals. The complexity of individual circumstances means that generic calculator results cannot account for all factors that may affect your specific situation.
1.3 User Responsibility
By using UK Calculator, you acknowledge and accept that:
- You are responsible for verifying all calculation results independently
- You will not rely solely on our calculators for important decisions
- You understand that results are estimates and may not reflect your actual obligations or entitlements
- You will seek appropriate professional advice when needed
2. No Professional Advice
The results and information provided by our calculators should NOT be considered as:
- Financial or Investment Advice: We do not provide regulated financial advice. Our calculators do not take into account your individual financial circumstances, objectives, or risk tolerance.
- Tax Advice or Tax Planning Guidance: Tax calculations are estimates based on general rates and may not account for your specific tax reliefs, allowances, or circumstances.
- Legal Advice: Information about regulations, rights, or legal matters is for general guidance only and does not constitute legal counsel.
- Medical or Health Advice: Health calculators (BMI, calorie, etc.) provide general estimates and should not replace medical consultation.
- Mortgage or Lending Advice: Mortgage calculations are illustrative only and actual offers will depend on lender criteria and your circumstances.
- Pension or Retirement Planning Advice: Pension projections are estimates and actual benefits will depend on numerous factors.
3. Calculator-Specific Disclaimers
Different types of calculators on our site have specific limitations and considerations that you should be aware of:
Financial Calculators (Salary, Tax, NI, Pension)
Our financial calculators use the current UK tax year rates (2025/26) as published by HMRC. However:
- They do not account for all possible tax reliefs and allowances
- Scottish income tax rates may differ from rest of UK rates
- They assume standard tax codes and circumstances
- National Insurance calculations may not account for contracted-out pension schemes
- Self-employment calculations are simplified estimates
- Benefits and tax credits are not included in standard calculations
Property Calculators (Mortgage, Stamp Duty, Rent)
Property-related calculators provide indicative figures only:
- Mortgage calculations assume fixed interest rates throughout the term
- Actual mortgage offers depend on credit history, income verification, and lender criteria
- Stamp Duty calculations may not account for all reliefs (first-time buyer, multiple dwellings)
- Property taxes and additional costs are not included
- Calculations do not account for fees, insurance, or other associated costs
Health Calculators (BMI, Calorie, Pregnancy)
Health calculators provide general guidance only:
- BMI calculations do not account for muscle mass, bone density, or body composition
- Calorie calculations are estimates based on average metabolic rates
- Pregnancy due date calculations assume regular 28-day cycles
- Health calculations should never replace NHS guidance or GP consultations
- Individual health conditions may significantly affect accuracy
Business Calculators (VAT, Profit Margin, Interest)
Business calculators are simplified tools:
- VAT calculations assume standard 20% rate unless specified
- Different VAT schemes may affect calculations
- Interest calculations may use simple or compound methods as specified
- Business costs and overhead are not included in margin calculations
4. Accuracy and Limitations
While we make every effort to ensure accuracy, we cannot guarantee that:
4.1 Accuracy Limitations
- All calculations are 100% accurate in all circumstances
- Results will match official HMRC, NHS, or government calculations
- Information is always current and reflects the latest changes
- Results are suitable for your specific individual circumstances
- Calculators account for all possible variables and exceptions
4.2 Potential Sources of Inaccuracy
| Source | Description |
|---|---|
| Rate Changes | Tax rates, thresholds, and allowances may change mid-year or with budget announcements |
| Regional Variations | Scottish income tax rates differ from England, Wales, and Northern Ireland |
| Individual Circumstances | Personal reliefs, allowances, and circumstances cannot all be captured |
| Rounding | Calculations may include rounding that differs from official methods |
| Input Errors | Results depend on the accuracy of information you provide |
4.3 Update Frequency
We update our calculators regularly to reflect changes in UK tax rates, thresholds, and regulations. However:
- There may be a delay between when changes are announced and when we update our calculators
- Budget announcements may introduce changes with future effective dates
- Complex changes may take longer to implement accurately
- Historical data and rates may not be available for all periods
5. FCA Regulations and Compliance
It is important to understand the regulatory context of our services:
UK Calculator is NOT FCA Regulated
UK Calculator is an informational website providing free calculator tools. We are not authorised or regulated by the Financial Conduct Authority (FCA). We do not provide:
- Regulated financial advice
- Investment recommendations
- Personal pension advice
- Mortgage advice or brokerage
- Insurance advice or sales
5.1 What This Means for You
Because we are not FCA regulated:
- You are not protected by the Financial Services Compensation Scheme (FSCS) when using our calculators
- You cannot complain to the Financial Ombudsman Service about our calculator results
- Our calculations are not subject to FCA product disclosure requirements
- We are not required to assess suitability of calculations for your needs
5.2 When to Use FCA-Regulated Services
You should seek advice from FCA-regulated professionals when:
- Making significant investment decisions
- Choosing pension products or retirement planning
- Selecting mortgage products or remortgaging
- Purchasing insurance products
- Transferring pensions or consolidating investments
You can check if a firm is FCA regulated at: FCA Register
6. When to Seek Professional Advice
We strongly recommend consulting qualified professionals in the following situations:
6.1 Financial Planning
Consult a Chartered Financial Planner (CFP) or Independent Financial Adviser (IFA) for:
- Retirement and pension planning
- Investment portfolio management
- Inheritance tax planning
- Complex financial situations
- Protection insurance needs
6.2 Tax Matters
Consult a Chartered Accountant or Tax Adviser for:
- Self-assessment tax returns
- Business tax planning
- Capital gains tax calculations
- Tax-efficient investments
- HMRC enquiries or disputes
6.3 Legal Matters
Consult a Solicitor or Licensed Conveyancer for:
- Property purchases and sales
- Wills and estate planning
- Employment disputes
- Business contracts
6.4 Health Concerns
Consult your GP or NHS Services for:
- Concerns about BMI or weight
- Dietary and nutritional advice
- Pregnancy and maternal health
- Any health-related concerns
6.5 Mortgage and Property
Consult a Mortgage Broker or Adviser for:
- Mortgage applications
- Remortgaging decisions
- Buy-to-let financing
- Property investment strategies
7. Limitation of Liability
To the fullest extent permitted by English law:
7.1 No Liability for Calculator Results
UK Calculator, its owners, operators, employees, and contributors are NOT liable for:
- Incorrect or inaccurate calculator results
- Financial losses arising from use of our calculators
- Decisions made based on calculator outputs
- Tax penalties, fines, or underpayments
- Missed benefits, allowances, or opportunities
- Any damages arising from reliance on our tools
7.2 Maximum Liability
In any event, our maximum aggregate liability to you for any claims arising from your use of this website shall not exceed £100 (one hundred pounds sterling).
7.3 Exclusion of Indirect Damages
We expressly exclude liability for all indirect, consequential, special, incidental, or punitive damages, including but not limited to:
- Loss of profits, revenue, or income
- Loss of data or information
- Loss of business opportunities
- Business interruption
- Reputational damage
- Wasted expenditure
7.4 Jurisdictional Limitations
Some jurisdictions do not allow the exclusion of certain warranties or limitation of liability for certain damages. In such jurisdictions, our liability shall be limited to the greatest extent permitted by law.
8. Indemnification
You agree to indemnify, defend, and hold harmless UK Calculator, its owners, operators, employees, agents, and affiliates from and against any claims, liabilities, damages, losses, costs, or expenses (including reasonable legal fees) arising out of or relating to:
- Your use of our calculators and website
- Your violation of these terms
- Your violation of any rights of a third party
- Any misrepresentation made by you
- Your negligent or wrongful conduct
9. External Links and Third Parties
Our website may contain links to external websites and resources:
9.1 Third-Party Websites
- We have no control over the content of external websites
- Links do not imply endorsement or approval
- External sites have their own terms, privacy policies, and disclaimers
- We are not responsible for any loss arising from external site use
9.2 Government and Official Resources
We may link to official UK government websites (gov.uk, HMRC, NHS) for reference. While we strive to link to authoritative sources, we encourage you to:
- Verify information directly on official government websites
- Use official tools and services for formal submissions
- Contact official bodies directly for definitive guidance
9.3 Advertising
This website displays advertisements through Google AdSense. We do not control the content of advertisements and their appearance does not constitute endorsement.
10. UK-Specific Information
Our calculators are designed specifically for use in the United Kingdom:
10.1 Geographic Scope
- Tax calculations use UK (HMRC) rates and thresholds
- Some rates differ between England, Scotland, Wales, and Northern Ireland
- Calculations may not be applicable to other jurisdictions
- Users outside the UK should seek local professional advice
10.2 Currency
All monetary calculations are in British Pounds Sterling (GBP) unless otherwise specified.
10.3 Legal Framework
This disclaimer is governed by the laws of England and Wales. Any disputes will be subject to the exclusive jurisdiction of the courts of England and Wales.
11. Updates and Changes
We reserve the right to modify this disclaimer at any time:
- Changes will be posted on this page with an updated "Last Updated" date
- Continued use of our website after changes constitutes acceptance
- Material changes may be announced on our website
- We recommend reviewing this disclaimer periodically
12. Contact Information
If you have questions about this disclaimer or believe any information on our site is inaccurate:
- Email: support@ukcalculator.com
- Contact Form: Contact Us
- Website: ukcalculator.com
We aim to respond to all enquiries within 48 working hours.
Key Points Summary
- Our calculators provide estimates for informational purposes only
- We are NOT FCA regulated and do not provide financial advice
- Always verify results with official sources (HMRC, NHS, gov.uk)
- Consult qualified professionals for important financial, tax, legal, or health decisions
- We are not liable for decisions made using our calculators
- Results may not account for your specific individual circumstances
You have read, understood, and agree to be bound by this disclaimer. You understand that calculator results are estimates only and that you should seek appropriate professional advice for important financial, tax, legal, or health decisions. You accept full responsibility for any decisions made based on the use of our calculators.
Related Pages: Privacy Policy | Terms of Service | Cookie Policy | Editorial Policy
Popular Calculators:
Pro Tips for Accurate Results
- Double-check your input values before calculating
- Use the correct unit format (metric or imperial)
- For complex calculations, break them into smaller steps
- Bookmark this page for quick future access
Understanding Your Results
Our Disclaimer provides:
- Instant calculations - Results appear immediately
- Accurate formulas - Based on official UK standards
- Clear explanations - Understand how results are derived
- 2025/26 updated - Using current rates and regulations
Common Questions
Is this calculator free?
Yes, all our calculators are 100% free to use with no registration required.
Are the results accurate?
Our calculators use verified formulas and are regularly updated for accuracy.
Can I use this on mobile?
Yes, all calculators are fully responsive and work on any device.