Last updated: March 2026
MoneyTools calculators are provided for informational and educational purposes only. Nothing on this website constitutes regulated financial advice. Always consult a qualified, FCA-authorised financial adviser before making financial decisions.
Not financial advice
MoneyTools is not a regulated financial services firm. We are not authorised or regulated by the Financial Conduct Authority (FCA). The calculators, content, and outputs on this website do not constitute:
- Financial advice or investment advice as defined under the Financial Services and Markets Act 2000
- A recommendation to buy, sell, or hold any financial product or instrument
- Tax advice or legal advice of any kind
- A solicitation or offer to provide financial services
The results produced by MoneyTools calculators are illustrative projections based on the figures you provide. They are not predictions, guarantees, or promises of any particular financial outcome.
Accuracy of calculations
We take care to ensure our calculators use correct mathematical formulas and up-to-date UK figures. However:
- Results depend entirely on the accuracy of the inputs you provide
- Projections assume consistent conditions (interest rates, contributions, growth) that rarely hold in practice
- Tax thresholds, allowances, and state benefit figures change each tax year and may not always be current
- Pension projections do not account for inflation, charges, tax-free lump sums, or annuity rates
- Mortgage figures are indicative only and do not include fees, insurance, or solicitor costs
MoneyTools accepts no liability for decisions made based on outputs from these calculators. Always verify important figures with a qualified professional or official source such as gov.uk or the MoneyHelper service.
No liability
To the fullest extent permitted by law, MoneyTools and its operators shall not be liable for any loss or damage — including financial loss, loss of profits, or consequential loss — arising from:
- Reliance on any calculation, figure, or content on this website
- Errors or omissions in any calculator or tool
- Interruption, suspension, or unavailability of this website
- Any decision made, or not made, based on information provided here
External links
MoneyTools may contain links to third-party websites including gov.uk, the FCA register, and MoneyHelper. These links are provided for your convenience. We have no control over the content of external sites and accept no responsibility for them. A link does not constitute an endorsement.
Intellectual property
The content, design, and code of MoneyTools are the property of MoneyTools and its operators. You may use the calculators freely for personal, non-commercial purposes. You may not reproduce, redistribute, or commercially exploit the tools or content without prior written permission.
Governing law
This disclaimer and any disputes arising from use of MoneyTools are governed by the laws of England and Wales. Any disputes shall be subject to the exclusive jurisdiction of the courts of England and Wales.
Get proper advice
If you are making a significant financial decision — buying a home, planning retirement, investing a lump sum, or managing debt — we strongly encourage you to seek advice from a qualified, FCA-regulated financial adviser. You can find one through:
- Unbiased.co.uk — independent financial adviser directory
- MoneyHelper — free, impartial guidance from the government-backed service
- FCA Financial Services Register — verify that any adviser is properly authorised
Changes to this disclaimer
We may update this disclaimer from time to time. Material changes will be reflected in the "last updated" date above. Continued use of MoneyTools following any update constitutes acceptance of the revised terms.
Contact
Questions about this disclaimer can be directed to: legal@ukmoneytools.uk