Terms of Use

What this site is

Calcrivo is a free reference tool: a library of 19,813 free calculators across 11 categories, with country-specific versions for 200 countries. You can use it without an account, and there is nothing to buy.

The results are estimates

This is the most important term on the page. Results are estimates for general information, not professional financial, tax, legal or medical advice.

Every calculator implements a published, documented formula, and the Methodology page explains exactly how each one is built and checked. But a formula is a model, and a model is not your situation. Tax calculators do not know your full circumstances; loan calculators do not know what a lender will actually offer you; health calculators are not a clinical assessment. Where a calculation carries assumptions, the page states them — read them before relying on the number.

For decisions that matter, check the output against the relevant official source or a qualified professional. See the Disclaimer for the detail by subject area.

Acceptable use

You may:

• use the calculators for personal, educational or commercial work;
• share links to any page, and quote a result if you say where it came from;
• use the site through assistive technology, and ask us to fix anything that gets in the way.

You may not:

• scrape or bulk-download the catalog in a way that degrades the service for other people;
• republish the calculator library wholesale as your own, or present our explanatory text as yours;
• attempt to break, overload or gain unauthorised access to the site or its infrastructure;
• use the site to do something unlawful, or to build something whose purpose is unlawful.

Content and intellectual property

The calculator implementations, the explanatory writing, the guides and the site design belong to Calcrivo. The underlying mathematics does not, and could not — a compound-interest formula is not anyone’s property. Trademarks and institution names mentioned in a calculator’s text belong to their respective owners, and their appearance does not imply any endorsement in either direction.

Availability

The site is provided as it is, with no promise of uninterrupted availability. Pages may change or be withdrawn, and a calculator may be corrected or removed if we find it is wrong. We would rather take a calculator down than leave a known-incorrect one up.

Advertising

The site carries advertising supplied by Google. We do not control which ads are shown and we do not endorse advertisers or what they sell. How advertising cookies work, and how to opt out of personalised ads, is set out in the Privacy Policy and the Cookie Policy.

Links to other sites

Where a page links to an official source — a tax authority, a standards body, a regulator — it does so because that source is the authority on the figure in question. We do not control those sites and are not responsible for their content.

Limitation of liability

To the fullest extent the law allows, Calcrivo is not liable for loss arising from your use of, or reliance on, this site — including financial loss resulting from a decision made on the basis of a calculated estimate. Nothing in these terms limits any liability that cannot lawfully be limited, and nothing here affects your statutory rights as a consumer.

Changes

These terms may change. The “last reviewed” date at the top of the page records when the text was last actually revisited. Continuing to use the site after a change means you accept the revised terms.

Contact

Questions about these terms, corrections to a calculator, or a report that something is wrong: please use the contact form. Reports that a formula is incorrect are the most useful messages we get.