Disclaimer

Not financial advice

Nothing on this website constitutes financial, investment, tax, legal or lending advice, and no content should be treated as a recommendation to buy, borrow, save or invest. We do not know your full circumstances and cannot advise on them.

What the calculators do not include

• Income tax, sales tax and local levies unless you enter them yourself.
• Inflation, wage growth and changes in interest rates over time.
• Lender fees, early-repayment charges, deposits and insurance excesses.
• Your credit history, which determines the rates actually available to you.
• Irregular income, bonuses, benefits and seasonal expenses.

Rules of thumb are general

Guidelines such as a three-month emergency fund, a 20% savings rate or the 20/4/10 car rule are widely used starting points, not laws. Reasonable people and reasonable advisers disagree about them, and your own situation may justify a different figure.

When to get professional advice

For mortgages, large loans, debt problems, tax questions or investment decisions, speak to a qualified, regulated professional in your country. If you are struggling with debt, a non-profit debt advice service can usually help free of charge.

Accuracy

We test our formulas and publish them on each calculator page so you can check them. If you believe a result is wrong, please tell us via the contact page and we will investigate.