Terms & Conditions

Last updated: 26 May 2026. Questions? Contact us.

Calculator results are estimates only — not financial or tax advice.

All results produced by UKCalc calculators are estimates based on standard HMRC rates for the 2026/27 UK tax year. They are provided for planning and general understanding purposes only. Your actual tax position may differ. Do not make financial, employment, pension or mortgage decisions based solely on these tools. Always consult a qualified accountant, tax adviser or financial adviser for decisions affecting your personal finances.

1. Acceptance of Terms

By accessing and using UKCalc (www.ukcalc.uk), you accept and agree to be bound by these Terms and Conditions. If you do not agree, please do not use this website.

2. About UKCalc

UKCalc is a free online resource providing UK financial calculators and guides. All tools are provided for informational and educational purposes only. We are not a financial services firm, we are not regulated by the Financial Conduct Authority (FCA), and we do not provide regulated financial advice.

3. Use of Calculators and Content

You may use UKCalc's calculators and content for personal, non-commercial purposes. All calculations are estimates based on published HMRC rates and should not be relied upon as definitive tax or financial advice.

You must not:

Use the website in any way that is unlawful or causes harm to others
Attempt to gain unauthorised access to any part of the site or its systems
Reproduce, sell or redistribute our content without written permission
Use automated scraping tools to extract content in bulk
Submit false or misleading information through any contact form

4. Accuracy of Information

We take reasonable care to ensure our calculators use the correct HMRC rates for the current 2026/27 tax year. However:

All figures are estimates and may not reflect your exact personal tax position
Tax rules change — typically at the UK Budget (October/November) and from 6 April each tax year. There may be a brief period between a HMRC announcement and our update where figures reflect the previous year's rates
Calculations do not account for all personal circumstances, including non-standard tax codes, benefits in kind, multiple income sources, or employer-specific arrangements (see our Disclaimer)
We do not warrant that the website will be error-free or uninterrupted
Calculated figures should always be verified against HMRC's own tools or with a qualified professional before being used for tax filing, employment decisions or major financial planning

We update our calculators within days of confirmed HMRC rate changes, but we cannot guarantee real-time accuracy at all times. The date each calculator was last reviewed is shown on the relevant page.

5. Not Financial Advice

Nothing on UKCalc constitutes financial advice, tax advice, investment advice or any other form of regulated advice. The tools and guides are provided for general informational purposes only.

You should not make financial, tax or investment decisions based solely on information from UKCalc. Always consult a qualified and regulated professional — such as a chartered accountant, tax adviser or independent financial adviser — for decisions that affect your personal finances.

6. Intellectual Property

All content on UKCalc — including text, design, code, calculator logic, guides, and graphics — is owned by UKCalc or licensed for use on this website. You may not reproduce, copy, distribute or republish any content without our prior written permission.

You may share links to our pages and reference our calculators in your own content, provided you credit UKCalc and link to the original page.

7. Advertising

UKCalc displays advertising through Google AdSense. Advertisements are served by Google and are not endorsed by UKCalc. We are not responsible for the content of advertisements displayed on this site.

8. Links to Third-Party Sites

UKCalc may contain links to external websites (for example, HMRC or Google). These links are provided for convenience only. We have no control over third-party websites and are not responsible for their content, privacy practices or accuracy. Linking to a third-party site does not imply endorsement.

9. Limitation of Liability

To the maximum extent permitted by law, UKCalc shall not be liable for any direct, indirect, incidental, special or consequential damages arising from your use of, or inability to use, the website or its tools — including any financial, tax, employment or other decisions made in reliance on results produced by our calculators.

In particular, UKCalc accepts no liability for:

Errors in calculator outputs resulting from incorrect or outdated HMRC rates
Decisions made on the basis of estimated calculator results without professional verification
Any underpayment or overpayment of tax arising from reliance on our tools
Loss of income, profit or opportunity arising from use of this website

Our liability for any claim arising out of these terms shall not exceed zero, given that the service is provided entirely free of charge.

10. Governing Law

These terms are governed by and construed in accordance with the laws of England and Wales. Any disputes arising from these terms or your use of the website shall be subject to the exclusive jurisdiction of the courts of England and Wales.

11. Changes to These Terms

We may update these terms from time to time. We will update the "last updated" date when changes are made. Your continued use of the website after any changes constitutes acceptance of the updated terms.

12. Contact

Questions about these terms? Please contact us.