Disclaimer & terms of use

Educational estimates, not advice

Every result on this site is an educational projection built from assumptions you control. Nothing here is financial, investment, tax or legal advice, and no result is a recommendation to buy, sell or hold any investment. Markets do not deliver smooth average returns; real outcomes will differ from any projection. Consult a licensed financial advisor and a tax professional before acting.

Where the numbers come from

Tax rates, allowances and account limits are sourced from the relevant tax authorities — the IRS, HMRC, the ATO, the CRA, IRAS, HASiL, KWSP, PERKESO, Inland Revenue and the FMA — and each figure is stored with its tax year, verification date and source. Projections use documented conventions (monthly compounding at the annual rate divided by twelve, contributions and withdrawals at the start of each month, pooled average cost for gain calculations) and documented simplifications, which are noted on each calculator page.

No liability

While we work hard to keep figures current and calculations correct, this site is provided "as is" without warranty of any kind. We accept no liability for decisions made or losses incurred based on these tools. Tax law changes; verify anything material with the authority's own published guidance before relying on it.

Privacy & cookies

Calculations run in your browser and on our edge servers; your inputs are never stored or transmitted anywhere. We set at most two essential cookies: one remembering your preferred country if you tap the country suggestion, and one remembering your cookie choice itself. Our traffic measurement (Cloudflare Web Analytics) is cookieless and aggregate — it cannot identify you.

Advertising cookies are used only if you explicitly accept them via the cookie bar, and ads are what keep these tools free. If you decline, the calculators work exactly the same. To change your choice later, clear this site's cookies in your browser and the bar will ask again.