Calcaroo's finance tools and guides are designed to help you explore ideas, compare scenarios, and better understand everyday financial decisions. They are not a substitute for professional financial advice.
1. Estimates only (not a quote)
The results from our mortgage, loan, savings, tax, and budgeting calculators are estimates only. They are based on the information you provide and standard financial formulas. These figures are not a guarantee or a formal quote. Actual figures will depend on your specific lender, provider fees, current taxes, and your individual financial situation.
2. No financial advice
Calcaroo is an independent information website. We are not a bank, lender, broker, or financial adviser. We are not regulated by the Financial Conduct Authority (FCA).
Nothing on this website constitutes financial, legal, tax, investment, or accounting advice. Before making important financial decisions — including mortgages, investing, refinancing, or tax planning — you should seek advice from a suitably qualified professional regulated in your country.
3. Rates and rules change
Financial data such as interest rates, tax bands, lending criteria, and government policies change regularly. While we aim to keep our calculators and guides accurate and up to date, we cannot guarantee that all information always reflects the latest legislation or market conditions.
Always verify important figures directly with your lender, accountant, financial adviser, or the relevant government authority.
4. Your situation is unique
Our tools cannot account for every personal factor, including credit history, lender-specific fees, insurance costs, regional tax differences, or changing market conditions.
Calcaroo should be used as a starting point for research and comparison — not as the sole basis for financial decisions.
5. External links
Calcaroo may link to third-party websites, including banks, lenders, government services, or financial providers. We do not control those websites and are not responsible for their content, services, policies, or availability.
6. Limitation of liability
All information and calculator results on Calcaroo are provided in good faith and for general informational purposes only.
To the fullest extent permitted by law, Calcaroo and its owners accept no liability for any loss, financial or otherwise, arising from the use of this website or reliance on any calculations, estimates, guides, or information provided.
Calculator results should be used for informational purposes only and not relied upon as the sole basis for financial decisions.
7. Governing law
This disclaimer and your use of the website are governed by the laws of England and Wales. Any disputes relating to the use of this website shall be subject to the exclusive jurisdiction of the courts of England and Wales.