Disclaimer

General information only

Everything on FreeToolSmith is provided for general information and educational purposes. It is not financial, legal, tax, accounting or medical advice, and it is not a recommendation to take any particular course of action.

A calculator shows you how a calculation works. It does not know your circumstances, and it cannot tell you whether a decision is right for you.

Financial calculators in particular

Loan, tax and salary calculators produce estimates based on the figures you enter and on assumptions that may not match your situation. Real outcomes are commonly different because of:

• Fees, charges and insurance that a lender adds but a generic calculator does not know about.
• Rounding and day-count conventions that differ between institutions.
• Rates, thresholds and allowances that change, sometimes mid-year.
• Rules that vary by country, state or individual circumstances.

Treat any figure here as an approximation for planning. Before committing to a loan, a tax position or any other financial decision, confirm the numbers with the institution involved or with a qualified professional.

Accuracy and currency

We take care to implement each calculation correctly and to update tools when rules change, but we do not warrant that any tool is accurate, complete or current. Where a tool depends on a particular tax year or rate set, the page says so.

If you spot an error, please report it. Corrections are the highest priority work on this site.

No liability

To the fullest extent permitted by law, we accept no liability for any loss arising from use of, or reliance on, any tool or information on this site. Use of the site is entirely at your own risk. See our terms of use.

External links and advertising

This site carries advertising and may link to other sites. We do not control or endorse their content, products or services, and an advertisement appearing here is not a recommendation.