Terms of Use

By using the site, you agree to these Terms of Use. If you do not agree with them, please do not use the site.

These terms work together with our Privacy Policy, which explains how information is processed, and our Calculator Disclaimer, which explains the limits of calculator results.

The calculators and content on the site are provided for general information and education. A calculator result is an estimate based on the values you enter and on the method the calculator describes.

Nothing on the site is financial, medical, legal, tax, engineering or other professional advice, and using the site does not create a professional or advisory relationship. For decisions where accuracy matters, verify results independently and consult a qualified professional.

You may use the calculators freely for personal, educational and work purposes, and you may share links to any page.

You may quote and use individual calculation results as you wish. When you quote substantial passages of explanatory text, please credit the site and link to the page.

You agree not to:

• copy, republish or redistribute the site's content or calculators in bulk, or present them as your own;
• scrape, crawl or harvest the site in a way that places an unreasonable load on it, or bypass any technical limits we apply;
• attempt to gain unauthorised access to any part of the site, including its administration area, or interfere with its security or operation;
• use the site for any unlawful purpose, or to send harmful code.

Search engines and similar services are welcome to index public pages within the limits of our robots instructions.

We work to keep calculators correct and explanations accurate, as described in our methodology. We cannot promise that every calculator or page is free of errors, complete, or up to date with rules, rates and standards that change.

The site is provided free of charge and may occasionally be unavailable, for example during maintenance or because of technical problems. We do not guarantee that it will always be available, uninterrupted or free of defects.

The site, including its text, design, calculator interfaces and software, is protected by copyright and other intellectual property laws. Except for the uses permitted above, you may not reproduce, modify or distribute it without permission.

The underlying mathematics, formulas and published methods that calculators apply belong to no one. You are free to use them independently.

The site's name and branding may not be used in a way that suggests we endorse you, your product or your service.

Pages may link to external websites, such as official sources for a formula or rule. These links are provided for reference. We do not control external websites and are not responsible for their content, availability or privacy practices, and a link is not an endorsement.

The site and its calculators are provided "as is" and "as available". To the fullest extent permitted by law, we make no warranties, express or implied, about the site, including warranties of accuracy, completeness, reliability, fitness for a particular purpose or non-infringement.

To the fullest extent permitted by law, we are not liable for any loss or damage arising from your use of, or reliance on, the site or any calculator result, including indirect or consequential loss, loss of profit, and losses resulting from decisions made using information from the site.

You are responsible for checking that a result is appropriate for your purpose before relying on it. Nothing in these terms limits liability that cannot be limited under applicable law.

If you send us feedback, corrections or calculator suggestions, you allow us to use them to improve the site without any obligation to you, including any obligation to pay for, credit or adopt them. Please do not send anything you consider confidential.

We may block or restrict access to the site, or to parts of it, for anyone who breaches these terms or uses the site in a way that harms it or other people, for example through abusive automated traffic.

We may add, change, improve or remove calculators, content and features at any time. Calculators may be updated to correct errors or to reflect changed rules or standards, which can change the result a calculator gives for the same inputs.

We may update these terms from time to time. The date at the top of the page shows when they were last updated. Continuing to use the site after a change means you accept the updated terms.

If you have a question about these terms, please contact us by email. The address is on the Contact page.