Terms of Service

1. Agreement to Terms

These Terms of Service (“Terms”) govern your access to and use of the website located at https://ukcalculator.com (“the Website”), operated by UK Calculator Ltd (“we”, “us”, “our”), a company registered in England and Wales under company number 15847293, with registered address at 128 City Road, London, EC1V 2NX.

By accessing or using the Website in any way, including browsing its content or using any of the calculators or tools provided, you agree to be bound by these Terms. If you do not agree to these Terms, please do not use the Website.

These Terms apply to all visitors, users and others who access the Website. We reserve the right to modify these Terms at any time. Your continued use of the Website following the posting of changes constitutes your acceptance of those changes. We will indicate the date of the most recent revision at the top of this page.

2. Service Description

UK Calculator provides a comprehensive suite of free online calculators and financial tools designed for UK residents. Our tools cover a wide range of topics including but not limited to:

• Tax and payroll: income tax, National Insurance, PAYE, salary and take-home pay
• Property and mortgage: mortgage repayments, Stamp Duty Land Tax, rental yield
• Business and finance: VAT, profit margin, break-even analysis, compound interest
• Health: BMI (Body Mass Index), calorie needs, ideal weight, NHS reference tools
• General mathematics: percentage calculators, unit converters, date and time tools
• Education: student loan repayments, grade calculators
• Lifestyle: fuel cost, tip calculators, currency conversion

All calculators are provided free of charge with no requirement to register or create an account. The Website is supported by advertising revenue, which enables us to maintain and improve our tools without charging users.

Our calculators are intended for informational and educational purposes only and are designed for use by UK residents and those interested in UK financial and tax matters. We make every effort to keep our calculators up to date with current rates, allowances and regulations.

3. Important Disclaimer

The calculators on this website are provided for general informational and educational purposes. Results should not be used as the sole basis for making financial, legal, medical or any other significant decisions.

Specifically:

• Tax calculations are based on published HMRC rates and standard assumptions. They may not accurately reflect your individual tax position, which can be affected by numerous personal circumstances including, but not limited to, pension contributions, benefit-in-kind payments, Scottish or Welsh tax rates, marriage allowance, blind person’s allowance, student loan repayments, or other deductions.
• Mortgage calculations are illustrative only. Actual mortgage costs will vary based on your specific deal, lender fees, interest rate type, and other factors. Always obtain a formal mortgage illustration from a regulated lender or mortgage broker.
• Health and BMI calculators provide general reference information and are not medical devices. Results should not be used to diagnose, treat, or manage any health condition. Always consult a qualified healthcare professional for medical advice.
• Business and investment calculations are illustrative projections only. Past performance is not a guide to future results.

We strongly recommend that you always consult a qualified and regulated professional — such as a chartered accountant, independent financial adviser, solicitor, or doctor — before making any important financial, legal or medical decision.

4. Accuracy of Information

We are committed to maintaining the accuracy of our calculators and tools. We regularly review and update our calculators to reflect current HMRC rates, government thresholds, and other official data. All tax rates and thresholds are sourced from official HMRC and GOV.UK publications.

However, we cannot guarantee that all information on the Website is 100% accurate, complete, or current at all times. Tax laws, allowances, and rates change regularly. There may be a short delay between the announcement of new rates and the update of our calculators.

In particular:

• Tax rates and thresholds are updated each tax year (6 April) and may be updated mid-year if HMRC announces changes
• National Insurance thresholds are updated each tax year
• Mortgage rates and examples are illustrative and do not represent any specific lender’s current product
• Exchange rates and commodity prices used in any conversion tools are indicative only

For matters of critical financial importance, always verify figures directly with HMRC via GOV.UK or consult a qualified tax adviser. We accept no responsibility for errors or omissions in the information provided on this website.

If you believe you have found an error in one of our calculators, we would appreciate you reporting it to us at [email protected]. We take all error reports seriously and investigate them promptly.

5. Intellectual Property

All content on this Website, including but not limited to text, graphics, logos, icons, images, audio clips, calculators, code, and software, is the property of UK Calculator Ltd or its content suppliers and is protected by United Kingdom and international copyright, trademark, and other intellectual property laws.

You are granted a limited, non-exclusive, non-transferable licence to access and use the Website for personal, non-commercial purposes only. This licence does not include:

• Copying, reproducing, distributing, or republishing any content from this Website without our prior written consent
• Creating derivative works based on our calculator logic or code
• Embedding or iframing our calculators on third party websites without our express written permission
• Scraping, crawling, or systematically downloading content from the Website
• Reverse engineering, decompiling or disassembling any software or calculator logic

The “UK Calculator” name, logo and all related names, logos, product and service names, designs and slogans are trademarks of UK Calculator Ltd. You must not use such marks without our prior written permission.

If you wish to link to our website or reference our calculators, please contact us at [email protected].

6. Acceptable Use

You agree to use the Website only for lawful purposes and in a manner that does not infringe the rights of others or restrict or inhibit their use and enjoyment of the Website. The following summary sets out permitted and prohibited uses:

You must not use the Website in any way that causes, or may cause, damage to the Website or impairment of the availability or accessibility of the Website. You must not use the Website to copy, store, host, transmit, send, use, publish or distribute any material which consists of (or is linked to) any spyware, computer virus, Trojan horse, worm, or other malicious software.

We reserve the right to restrict access to the Website for any user who breaches these acceptable use provisions, or who we reasonably believe is using the Website in a manner that could cause harm to us, our users, or third parties.

7. Privacy

Your use of the Website is also governed by our Privacy Policy, which is incorporated into these Terms by reference. Our Privacy Policy explains how we collect, use and protect information about visitors to our website, including our use of Google Analytics and Google AdSense.

By using the Website, you consent to the processing of information about you as described in our Privacy Policy, subject to your cookie consent choices. We take the privacy of our users seriously and are committed to full compliance with the UK GDPR and the Data Protection Act 2018.

8. Third Party Services

The Website uses the following third party services, each of which has its own terms and privacy policies:

• Google Analytics (Google LLC) — website usage analytics. Google Privacy Policy | Google Analytics Terms
• Google AdSense (Google LLC) — display advertising. Google Privacy Policy | Google Advertising Policies

We have no control over, and assume no responsibility for, the content, privacy policies or practices of any third party services. We encourage you to review the terms and privacy policies of any third party services you interact with through our website.

The Website also contains links to external third party websites including HMRC, GOV.UK, the NHS, and other official or reference sources. These links are provided for your convenience and information only. We do not endorse these third party websites and are not responsible for their content or privacy practices.

9. Limitation of Liability

To the fullest extent permitted by applicable law, UK Calculator Ltd expressly excludes:

• All conditions, warranties, representations or other terms which may apply to the Website or any content on it, whether express or implied
• Any liability for any direct, indirect, or consequential loss or damage incurred by any user in connection with our Website or in connection with the use, inability to use, or results of the use of our Website, any websites linked to it and any materials posted on it

In particular, but without limitation, we will not be liable for:

• Any financial loss resulting from reliance on calculations provided by our tools
• Loss of income or revenue
• Loss of business, contracts, anticipated savings, data, or goodwill
• Any indirect or consequential losses

Nothing in these Terms excludes or limits our liability for death or personal injury caused by our negligence, fraud or fraudulent misrepresentation, or any other liability that cannot be excluded or limited under applicable law.

We do not guarantee that the Website will always be available or uninterrupted. We may suspend, withdraw, or restrict the availability of all or any part of the Website for business or operational reasons.

10. Governing Law

These Terms of Service and any dispute or claim arising out of or in connection with them (including non-contractual disputes or claims) shall be governed by and construed in accordance with the laws of England and Wales.

You and UK Calculator Ltd both agree to submit to the exclusive jurisdiction of the courts of England and Wales to resolve any legal dispute arising in relation to these Terms or your use of the Website.

If any provision of these Terms is found to be unlawful, void, or for any reason unenforceable, that provision shall be deemed severable from these Terms and shall not affect the validity and enforceability of any remaining provisions.

Our failure to exercise or enforce any right or provision of these Terms shall not constitute a waiver of such right or provision.

11. Contact Us

If you have any questions about these Terms of Service, wish to report an error in one of our calculators, or have any other enquiry, please contact us:

We aim to respond to all enquiries within 2 business days. For calculator error reports, we will investigate and, if confirmed, update the affected tool as soon as possible.

You can also use our Contact page to send us a message directly through the website.