Effective: 30 October 2026. Use the website only if you can lawfully accept these terms. If you do not agree, do not use the tools.
Scope of the service
The site supplies free personal planning calculations from information you manually enter. It is not a banking, payments, credit, investment, accounting or advisory service. No tool verifies available funds, accesses an account or carries out a transaction. No affiliation with any bank is claimed.
Your inputs and responsibilities
You are responsible for the accuracy, completeness and appropriateness of your figures and for checking any result before acting. Use one currency per worksheet. Do not enter sensitive identifiers or login credentials. Review saved copies before sharing and protect devices used to create them.
Do not use the service to impersonate a financial institution, create a misleading statement or proof of funds, submit unlawful material, attack the site, circumvent access controls or interfere with other visitors. A worksheet must not be presented as an official bank record.
Estimates, not advice
Calculations follow the method shown for each tool. They may exclude timing, interest, inflation, fees, taxes, pending transactions or other relevant factors. An estimate is not a recommendation about what you can afford and does not establish a professional advisory relationship. Obtain qualified advice where needed.
Availability and saved work
Features may be changed, interrupted or withdrawn. We do not guarantee continuous availability or that every browser, theme or third-party extension behaves identically. No server-side save or recovery service is supplied. Print or download important worksheets before you leave, and keep your own records.
Permitted use of worksheets and content
You may use, print and share your own worksheets for lawful personal planning. Keep the estimate-only context and do not suggest bank endorsement. Website branding and explanatory content remain subject to applicable intellectual-property law; these terms do not grant rights to unrelated third-party names or marks.
Limits and applicable rights
To the extent allowed by applicable law, the tools are supplied as available without promises of financial outcomes, fitness for a particular decision, uninterrupted service or error-free operation. Nothing in these terms excludes rights or liability that cannot lawfully be excluded. No particular governing law, court or liability cap is asserted here without the owner’s legal review.
Updates and enquiries
The current published terms apply to use of the site, subject to applicable law. Review material changes before continuing. Send website questions through Contact without including real account data. See the Privacy Policy and Disclaimer for related information.