Disclaimer

General disclaimer

The information and calculator results provided on Calculy.io ("the Service") are for general informational and educational purposes only. While we strive for accuracy in all our calculations, Calculy makes no representations, warranties, or guarantees — express or implied — about the completeness, accuracy, reliability, suitability, or availability of any information or results provided by the Service.

You use the Service and rely on its results entirely at your own risk. Calculy, its operators, employees, and contributors shall not be liable for any loss, damage, or negative outcome arising from use of or reliance on the Service.

Financial calculator disclaimer

Calculy provides financial calculators including mortgage, loan, compound interest, savings, SIP, retirement, and inflation calculators. These tools are not financial products and do not constitute financial advice within the meaning of the Corporations Act 2001 (Cth) or any other legislation.

Specifically, you acknowledge that:

• Calculator results are estimates based on the inputs you provide and standard mathematical formulas. They are not guaranteed outcomes.
• Actual mortgage repayments, investment returns, and loan costs will depend on your specific loan product, lender terms, fees, and market conditions.
• Interest rate projections assume constant rates over the period. Actual rates vary and can change significantly.
• Investment return projections (compound interest, SIP, retirement) are based on assumed constant returns. Actual investment returns are variable and past performance does not guarantee future results.
• Stamp duty estimates are based on publicly available rate tables but may not reflect all applicable concessions, exemptions, or surcharges applicable to your situation.
• Tax calculations do not account for your specific tax position, deductions, offsets, or individual circumstances.

Before making any financial decision, including taking out a mortgage, making an investment, or planning for retirement, please seek advice from a licensed financial adviser (Australian Financial Services Licence holder), mortgage broker, accountant, or other qualified professional.

Health calculator disclaimer

Calculy provides health-related calculators including BMI, calorie/TDEE, body fat percentage, and pregnancy due date calculators. These tools are not medical devices and do not constitute medical advice.

Specifically:

• BMI is a population-level screening tool and may not accurately reflect health status for athletes, elderly individuals, or certain ethnic groups. It does not diagnose any health condition.
• Calorie and TDEE estimates are based on population average formulas (Mifflin-St Jeor) and may differ from your actual metabolic rate by ±10–20%. Individual metabolism varies significantly.
• Body fat percentage estimates are approximations based on circumference measurements or BMI formulas. For medical purposes, professional measurement methods (DEXA scan, hydrostatic weighing) should be used.
• Pregnancy due date estimates are based on standard obstetric calculations. Only a qualified healthcare provider can confirm your due date. Always attend scheduled antenatal appointments.

Do not use our health calculators to diagnose, treat, or manage any health condition. Always consult a registered doctor, nurse practitioner, midwife, dietitian, or other qualified healthcare provider for medical advice tailored to your situation.

If you are experiencing a medical emergency, call 000 (Australia) or your local emergency number immediately.

No professional relationship

Use of Calculy.io does not create any professional relationship — financial adviser, doctor-patient, lawyer-client, or otherwise — between you and Calculy or any of its operators, contributors, or affiliates.

External links

Calculy.io may contain links to external websites for reference. These links are provided for your convenience only. We have no control over the content, accuracy, or availability of external sites and do not endorse them. Inclusion of a link does not imply endorsement of the linked site or its content.

Advertising

Calculy.io displays advertisements via Google AdSense. Advertisements are clearly identified and are separate from our calculator content. Advertisers do not influence our calculator formulas, results, or editorial decisions. See our Privacy Policy for details on how advertising cookies work.

Accuracy and updates

We regularly review and update our calculators to maintain accuracy. However, formulas, rates (such as stamp duty brackets), and reference data can become outdated. We encourage users to verify critical figures with official sources, including:

• Australian Taxation Office (ATO) — for tax-related figures
• Reserve Bank of Australia (RBA) — for current interest rates
• Your state's Revenue Office — for current stamp duty rates and concessions
• Healthdirect Australia — for health information

Limitation of liability

To the maximum extent permitted by law, Calculy and its operators shall not be liable for any direct, indirect, incidental, consequential, special, or punitive damages arising from your use of the Service or reliance on its results. This includes but is not limited to financial loss, health outcomes, or decisions made based on calculator outputs.

Nothing in this disclaimer excludes rights you may have under the Australian Consumer Law that cannot be excluded by agreement.

Questions

If you have questions about this disclaimer or believe a calculator contains an error, please contact us at info@calculy.io. We take accuracy seriously and will investigate any reported errors promptly.