Terms of use

Last updated: 13 August 2026

These terms govern your use of Financial Calculator at https://financialcalculator.online. By using the site you agree to them. If you do not agree, please stop using the site.

What this site is

Financial Calculator provides free educational calculators for the United States, United Kingdom, Canada, Australia and India — loans and mortgages, savings and investments, retirement, tax estimates and related tools. Everything is offered as a general-purpose estimating aid.

No financial, tax or legal advice

This is the most important term on the page. The calculators and articles on this site are for information and education only. They are not financial advice, investment advice, tax advice, legal advice, a credit assessment, or an offer of any product.

We are not your financial adviser, accountant, broker or lender, and using the site creates no such relationship. Before acting on any figure produced here, consult a qualified professional who knows your circumstances.

Accuracy and limitations

We work to keep formulas correct and country rules current, but we cannot guarantee that every result is accurate, complete or up to date. In particular:

  • Any interest rate, tax band, contribution limit or threshold shown as a default is an example only, not a quote and not an offer.
  • Tax and benefit rules change, sometimes mid-year and sometimes retrospectively. A page may not yet reflect the latest change.
  • Real lenders, tax authorities and providers apply their own rounding, fees, eligibility criteria and day-count conventions. Their figures will differ from ours.
  • Results depend entirely on the assumptions you enter. Different assumptions give different answers.

Always confirm any number that matters with your bank, lender, tax authority or adviser before you rely on it.

Acceptable use

You agree not to:

  • use the site for any unlawful purpose or in breach of any applicable regulation;
  • scrape, crawl at an abusive rate, mirror or bulk-copy the site’s content or code without written permission;
  • attempt to gain unauthorised access to the site, its server or any connected system, or probe, scan or test its security;
  • interfere with the site’s normal operation, including by overloading it or introducing malicious code;
  • remove, obscure or alter any notice of copyright, disclaimer or attribution.

Intellectual property

The design, text, layout, code and calculator implementations on this site belong to Financial Calculator unless stated otherwise, and are protected by copyright. You may use the calculators freely for personal and internal business purposes, and quote short extracts with a visible link back to the source page. Republishing pages in substance, or building a competing product from our content or code, requires our written permission.

Bank, product and institution names mentioned on the site are the trademarks of their respective owners and are used only to identify what a calculator relates to. We are not affiliated with, endorsed by, or sponsored by any bank, lender or financial institution named on this site.

Third-party links and advertising

The site may link to external websites and may display third-party advertising. We do not control that content and do not endorse it. Any dealing you have with an advertiser or a linked site is between you and them.

Availability

The site is provided “as is” and “as available”, without warranties of any kind, express or implied, including any implied warranty of merchantability, fitness for a particular purpose or accuracy. We may change, suspend, move or withdraw any calculator or page at any time without notice.

Limitation of liability

To the fullest extent permitted by law, we are not liable for any loss or damage — including lost profits, lost savings, lost opportunity, or any indirect or consequential loss — arising from your use of, or reliance on, this site or any result it produces.

Nothing in these terms excludes or limits liability that cannot lawfully be excluded, such as liability for fraud, or for death or personal injury caused by negligence. Some jurisdictions do not allow certain exclusions, so parts of this section may not apply to you.

Privacy

How we handle data is set out in our privacy policy, which forms part of these terms.

Changes to these terms

We may revise these terms from time to time. The revision date at the top shows the current version, and continued use of the site after a change means you accept the revised terms.

Governing law

These terms are governed by the laws of India, and the courts of India will have jurisdiction over any dispute. This does not remove any mandatory consumer protection you have under the law of the country where you live.

Contact

Questions about these terms can be sent to contact@financialcalculator.online, or via our contact page.

All calculators on this site are estimating tools for educational use. Rates and thresholds shown are examples only. Verify every figure with your bank, lender or a qualified adviser before making a financial decision.