Disclaimer
Disclaimer
Last updated: May 2026 | TheTaxCalculator.co.uk
1. Nature of Our Service
TheTaxCalculator.co.uk is an independent UK financial tools website. We provide over 100 free calculators covering income tax, national insurance, mortgages, savings, pensions, loans, insurance, and household bills. All calculators use official rates published by HMRC, the Office for National Statistics, Ofgem, and other government bodies.
We are not:
- Affiliated with HMRC, HM Treasury, the FCA, or any government body
- Authorised or regulated by the Financial Conduct Authority (FCA)
- Providing financial advice, tax advice, or any other regulated advice
- Responsible for decisions made based on our calculator results
2. Results Are Estimates Only
Calculator results are estimates based on:
- The figures you enter
- Standard assumptions (e.g. standard tax code 1257L, employed status, England/Wales rates unless you specify Scotland)
- Publicly available rates updated at the start of each tax year
Results may not reflect your actual tax liability or financial position if you have:
- A non-standard tax code (e.g. emergency, K code, or adjusted code)
- Multiple sources of income
- Salary sacrifice arrangements
- Benefits in kind
- Complex pension arrangements
- Non-domicile or overseas income status
- Capital gains or dividend income
- Marriage allowance or blind person’s allowance
- Student loan Plan 4 (Scottish)
3. Accuracy and Currency of Information
We update our calculators at the start of each UK tax year (6 April) and following significant policy changes. We aim to reflect:
- HMRC income tax rates, thresholds, and personal allowances
- National Insurance contribution rates and thresholds (Class 1, 1A, 2, 4)
- Scottish income tax rates set by the Scottish Parliament
- Mortgage and savings illustrative rates (indicative only — actual rates vary by lender)
- DWP benefit rates and Universal Credit thresholds
- Ofgem energy price cap rates
- DVLA and ABI motor insurance benchmarks
Despite our best efforts, there may be a period between a policy change and our update. Tax law is complex and subject to change. We cannot guarantee that every result is correct for every individual situation.
4. Limitation of Liability
To the fullest extent permitted by applicable English law, TheTaxCalculator.co.uk and its operators exclude all liability for:
- Errors, inaccuracies, or omissions in calculator results
- Any financial loss, tax liability, penalty, fine, or other loss suffered as a result of relying on our results
- Decisions made based on information from this Website
- Any loss of data, business, profits, revenue, or opportunity arising from use of the Website
- Any indirect, consequential, special, or punitive damages of any kind
Nothing in this Disclaimer limits liability for: death or personal injury caused by our negligence; fraudulent misrepresentation; or any liability that cannot be excluded or limited under English law.
5. Seek Professional Advice
For important financial decisions, always consult a qualified professional:
- Income tax and self-assessment: A qualified accountant (ACA/ACCA/CTA) or directly with HMRC
- Mortgage advice: An FCA-authorised mortgage adviser — search the FCA Register
- Financial planning and pensions: An FCA-authorised independent financial adviser — find one at Unbiased or VouchedFor
- Free impartial guidance: MoneyHelper (government-backed, free service)
- Benefits: GOV.UK benefits guidance or Citizens Advice: citizensadvice.org.uk
6. Insurance and Financial Products
Insurance premium estimates (car, home, life, travel, pet, etc.) are indicative benchmarks based on industry averages. Actual premiums are determined by individual underwriting and will vary significantly. Always obtain quotes directly from FCA-authorised insurers or via an FCA-authorised broker.
Mortgage repayment and affordability calculations are illustrative. Actual mortgage offers depend on individual creditworthiness, property valuation, lender criteria, and prevailing rates. Speak to an FCA-authorised mortgage adviser before applying.
7. Investment and Savings
Investment return and savings calculations use illustrative rates. The value of investments can fall as well as rise. Past performance is not a guide to future performance. Returns are not guaranteed. For savings and investment advice, consult an FCA-authorised financial adviser.
8. Third-Party Links
We link to third-party websites (e.g. GOV.UK, MoneyHelper, HMRC) for your convenience. We do not control the content of third-party sites and accept no responsibility for their accuracy or availability.
9. Reporting Errors
We welcome reports of calculator errors. If you believe a result is incorrect, please email hello@thetaxcalculator.co.uk with:
- The calculator name and URL
- The values you entered
- The result you received
- The result you expected (with source, if possible)
We aim to investigate and correct verified errors within 5 working days.
10. Governing Law
This Disclaimer is governed by the laws of England and Wales.