Disclaimer

Every tool on this site provides an estimate for general information only. Nothing here is professional financial, tax, legal, medical, or investment advice, and no result should be treated as a decision made on your behalf.

Estimates, not determinations

Our calculators apply published, general rules to the figures you enter. They cannot see your full circumstances — your other income, reliefs you may qualify for, your medical history, the specific terms a lender or insurer will offer you, or the facts a court would weigh. Two people entering identical numbers can still have genuinely different correct answers.

The authoritative figure always comes from the relevant institution: your tax authority, your lender, your insurer, your clinician, or your legal adviser. Where our number and theirs disagree, theirs is the one that counts.

Money, tax and legal tools

Tax, payroll, mortgage, pension, insurance and legal calculators use the rates and rules published for the stated year. Rules change, are applied differently in individual cases, and may have exceptions our tools do not model. Do not file a return, sign a mortgage, accept a settlement, or make an investment decision on the basis of a result from this site alone. Speak to a qualified accountant, adviser, broker, or solicitor.

Health and fitness tools

Health-related tools implement recognised general formulas and are for information only. They are not a diagnosis and cannot replace examination by a qualified clinician. Never delay seeking medical advice because of something you read here. If you have an urgent medical concern, contact your doctor or your local emergency service.

Accuracy and availability

We work to keep formulas and published rates correct, and we run automated checks to catch pages that have gone stale or broken. Even so, we cannot guarantee that every figure is accurate, complete, or current at the moment you use it. The tools are provided "as is", without warranty of any kind. To the fullest extent permitted by law, Teamz Lab Ltd accepts no liability for loss or damage arising from reliance on any result from this site.

Third-party links and advertising

This site is free to use and funded by advertising. Advertisements are served by third parties and their presence is not an endorsement. Advertisers have no influence over any calculator's formula or result. Where we link to an external site, we are not responsible for its content or accuracy.

Your data

Calculations run entirely in your browser. The figures you enter are not uploaded to or stored on our servers. See the privacy policy for details.

Reporting an error

If you believe a tool is wrong, please tell us via the contact page — naming the page and the value you expected. We treat corrections as priority work. How our tools are built, sourced and reviewed is described in our methodology.

Who we are: Teamz Lab Tools is operated by Teamz Lab Ltd, registered in the United Kingdom, company number 16106867 (verify on Companies House).