Website use
By using MyFinanceTools, you agree to use the website in a reasonable and lawful way. The site is provided to help users understand common personal finance calculations and read practical guidance about money decisions.
You should not use the site in a way that damages, overloads, disrupts or attempts to interfere with its normal operation. You should also not try to copy, scrape, manipulate or reuse the site in a way that is unfair, misleading or harmful.
Educational information only
The calculators, guides and examples on MyFinanceTools are for general education and planning. They are not financial advice, tax advice, mortgage advice, investment advice, legal advice or a personal recommendation.
No page on the site should be read as telling you to take out a product, avoid a product, change a mortgage, borrow money, invest, save in a particular way or make a tax decision without checking your own position.
Your responsibility
You are responsible for the figures you enter and the decisions you make after using the site. A calculator can help you understand a possible outcome, but it cannot know every detail of your income, tax position, credit history, lender criteria, product terms, fees or future plans.
Before acting on an important financial decision, check the details with the relevant provider, lender, employer, official source or regulated adviser. For tax matters, HMRC and GOV.UK should be treated as primary sources. For regulated financial decisions, consider whether professional advice is needed.
Accuracy and calculator estimate limits
MyFinanceTools aims to keep information useful, clear and up to date, but errors, omissions and outdated figures can happen. Rules, rates, thresholds, product terms and market conditions can change, sometimes without notice.
Calculator results are estimates. They may differ from lender illustrations, provider quotes, payroll calculations, tax calculations, bank statements or official documents because those organisations may use different rules, rounding methods, fees, timing assumptions or eligibility checks.
Intellectual property
The content, calculators, page wording, design, layout and other materials on MyFinanceTools belong to the website owner or are used with permission, unless stated otherwise.
You may use the website for personal, non-commercial reference. You must not republish, sell, copy large parts of the site, present the tools as your own, or use the content in a misleading way without permission.
Acceptable use
You must not use MyFinanceTools for unlawful activity, automated abuse, security testing without permission, spam, fraud, misleading promotion, or any action that could harm the site or other users.
You must not attempt to bypass security measures, interfere with scripts, overload requests, or use the website to distribute harmful code or content.
External links
Some pages may link to official sources, regulators, guidance bodies, product providers or other third-party websites. These links are included to help users check context or continue their research.
External websites are not controlled by MyFinanceTools. Their content, availability, policies and accuracy are their responsibility. A link does not mean MyFinanceTools endorses every page, product or service on that website.
Liability limitations
MyFinanceTools is provided on an as-is basis. While care is taken when writing pages and building calculators, the site cannot guarantee that every result, figure or explanation will be complete, current or suitable for your circumstances.
To the extent allowed by law, MyFinanceTools is not responsible for losses caused by relying on calculator estimates, general content, external links, unavailable pages, technical issues or decisions made without checking the relevant details elsewhere.
Updates to content and contact process
These terms and other pages may be updated as the site changes, new tools are added, or wording needs to be clarified. Continued use of the site means you accept the current version of these terms.
If you spot an error, outdated figure or unclear explanation, use the contact page to raise it. Useful correction requests include the page URL, the wording or figure you are questioning, and any official source that supports the correction.