Disclaimer

What this site is for, and what it is emphatically not for.

Please read this page carefully. It forms part of our Terms of Use and applies to everything published on moneyguidance.site.

General information only

The material on this website is published for general educational purposes. It is written for a broad audience and cannot take account of your particular circumstances, objectives or needs. It is your responsibility to decide whether anything here is appropriate for your situation, and to seek qualified, independent advice before acting.

This is not financial advice

Money Guidance is a publisher, not a regulated financial adviser, broker, dealer, bank, custodian or tax agent. We hold no licence to advise you and we are not authorised by any financial regulator. Nothing on this site constitutes personal recommendation, investment advice, tax advice, legal advice or an offer or solicitation to buy or sell any financial instrument.

Risk warning

The value of investments can fall as well as rise and you may get back less than you put in. Past performance is not a reliable indicator of future results. Leveraged products can lose more than the amount deposited. Digital assets in particular are highly volatile, are largely unregulated in most jurisdictions, may be difficult to sell in stressed conditions, and can lose all of their value. Never commit money you cannot afford to lose entirely.

Tax

Tax treatment depends on your individual circumstances and on the rules of your country, and those rules change. Any tax figure on this site is illustrative. Confirm your position with a qualified tax adviser or your tax authority before you act.

About the calculators

The tools on this site run entirely in your browser and return estimates derived only from the values you enter. They implement published, simplified formulas. They do not know your contract terms, your provider's fee schedule, your jurisdiction's rules, your medical history or any other variable you have not typed in. Different assumptions produce different answers, and a result here may differ legitimately from one produced by an official source. Do not rely on any figure from this site as a quotation, a valuation, a diagnosis, a tax return entry or a statement of an amount owed.

Accuracy and currency

We check our formulas against worked examples and review pages periodically, and each page shows when it was last reviewed. Even so, errors are possible and external rules change without notice. We make no warranty of accuracy, completeness or fitness for a particular purpose. If you find a mistake, please tell us at hello@moneyguidance.site so we can correct it.

External links and advertising

Links to third-party websites are provided for reference and do not imply endorsement; we have no control over their content. Advertisements are served automatically by Google and are not selected, reviewed or endorsed by us. Any transaction you enter into with an advertiser is strictly between you and that advertiser.

Limitation of liability

To the maximum extent permitted by law, Money Guidance accepts no liability for any loss or damage of any kind arising from use of, or reliance on, this website. By using the site you accept that you do so at your own risk and on your own judgement.

Last updated: September 22, 2026.