1. About these terms
These terms apply to your use of CalcBudget.com ("the site", "we", "us"), which is owned and operated by The AI Barn, 124 City Road, London, EC1V 2NX, United Kingdom. By using the site you agree to these terms. If you do not agree, please do not use the site.
2. Calculator disclaimer
The results produced by CalcBudget calculators are estimates only. They are not financial, tax, mortgage, legal or investment advice, and they are not a recommendation to take, or not take, any course of action.
- Calculators use simplified formulas and the assumptions described on each page and on our methodology page. They do not take account of your full personal circumstances.
- Tax and property calculators are based on the rules for the tax year stated on the page. Rates, thresholds and reliefs can change, and your own position may differ because of your tax code, where you live, your ownership history and other factors.
- Loan, savings and interest calculators show illustrations based on the figures you enter. Real products include fees, charges and terms that a calculator cannot reflect.
- A calculator result is not an official HMRC calculation, a lender's illustration, a solicitor's completion statement or a payslip.
Before making a financial decision, check the figures with official sources such as GOV.UK and HMRC, with your lender or provider, or with a qualified, regulated professional. CalcBudget is not authorised or regulated by the Financial Conduct Authority and does not provide regulated financial advice.
3. Guides and other content
Our guides explain money topics in general terms for educational purposes. We aim to keep them accurate and up to date, but we do not guarantee that all content is complete, current or suitable for your situation. If you spot an error, please tell us; see our corrections policy.
4. Using the site
You may use the site for your own personal, non-commercial purposes. You must not:
- use the site in any way that breaks the law or harms others;
- try to gain unauthorised access to the site, its server or related systems;
- introduce viruses or other harmful code, or interfere with the site's operation;
- copy, scrape or republish substantial parts of the site's content or calculators without our written permission.
5. Intellectual property
The content, design, text and calculator code on this site belong to The AI Barn or its licensors and are protected by copyright and other intellectual property laws. You may print or save pages for your own personal reference.
6. Advertising and third-party links
The site is funded by advertising, including adverts served by Google AdSense. Adverts and links to third-party websites are provided for convenience. We do not control, endorse or take responsibility for third-party websites, products or services, and their own terms and privacy policies apply. See our privacy policy for how advertising cookies are used.
7. Availability
The site is provided free of charge on an "as is" and "as available" basis. We may change, suspend or withdraw any part of the site, including any calculator, at any time without notice.
8. Our liability
Nothing in these terms excludes or limits our liability for death or personal injury caused by our negligence, for fraud or fraudulent misrepresentation, or for anything else that cannot be excluded or limited under the law of England and Wales.
Subject to that, we are not liable for any loss or damage arising from your use of, or reliance on, the site, its calculators or its content, including any financial loss, loss of profit or loss of opportunity resulting from decisions made using a calculator result. This applies whether the claim arises in contract, tort (including negligence) or otherwise, to the extent permitted by law.
9. Privacy
Our privacy policy explains how we use personal data and cookies.
10. Changes to these terms
We may update these terms from time to time. Changes take effect when they are posted on this page with an updated date.
11. Governing law
These terms are governed by the law of England and Wales. The courts of England and Wales have jurisdiction over any dispute, except that if you live in Scotland or Northern Ireland you may also bring proceedings in your local courts.
12. Contact us
For questions about these terms, email hello@theaibarn.com or write to The AI Barn, 124 City Road, London, EC1V 2NX, United Kingdom.
Last updated: October 2026.