Information, not advice.

1. No financial or professional advice

The calculators, articles, guides, and any other content on BracketMath are provided for general information and educational purposes only. They are not a substitute for personal advice from a qualified, regulated professional (a chartered accountant, an FCA-authorised financial adviser, a tax barrister, or a solicitor) who understands your full personal and financial circumstances.

BracketMath is not authorised or regulated by the Financial Conduct Authority (FCA), is not a member of the Chartered Institute of Taxation, and does not hold any equivalent professional licence.

2. Calculator outputs are estimates

Every figure returned by a BracketMath calculator is an estimate derived from a mathematical model and the inputs you provide. Real-world tax liability and pension outcomes depend on factors that the calculators cannot know — including but not limited to: your residency and domicile status, existing pension scheme rules, salary sacrifice arrangements, employer schemes, share schemes, benefits-in-kind, capital gains, foreign income, marriage allowance transfers, child benefit, student loan plan type, prior-year losses, R&D claims, IR35 status determinations, and changes to UK tax law after the date the calculator was last updated.

Outputs should not be treated as the definitive answer for any specific decision involving real money. Always verify with your accountant or financial adviser before acting.

3. Pension and investment projections

Where calculators project future pension pot values, retirement income, or investment outcomes, these projections are based on historical asset returns and Monte Carlo simulation. Past performance is not a reliable indicator of future results. The actual outcome may be materially better or materially worse than any percentile shown. The full range of simulated outcomes is intentionally wide because the future genuinely is uncertain; reading only the median is misleading.

4. Tax rates and thresholds

Calculations use HMRC's published rates and thresholds for the UK tax year stated at the top of each calculator (currently 2026/27). HMRC may change rates, allowances, reliefs, or rules at any time, including retrospectively in some cases. BracketMath aims to update calculators within a reasonable timeframe after each Budget and Autumn Statement, but there may be a lag. Always cross-check critical figures against the current HMRC guidance at gov.uk.

5. Affiliate links and commercial relationships

Some outbound links on BracketMath are affiliate links. If you click an affiliate link and subsequently sign up for, purchase, or transfer assets to a third-party product or service, BracketMath may receive a referral commission. This does not change the price you pay. We disclose this relationship as required by the UK Advertising Standards Authority and Competition and Markets Authority guidelines.

Affiliate relationships do not influence which products are recommended in any calculator output or guide. Where products are mentioned, the editorial selection is based on objective criteria (fees, regulatory status, product features) and is independent of whether an affiliate programme is available. Where multiple providers exist for a category, we attempt to list the strongest objective options regardless of affiliate status.

6. Limitation of liability

To the maximum extent permitted by law, BracketMath, its operator, and any contributors disclaim all liability for any loss, damages, costs, missed tax savings, missed pension contributions, incorrect tax filings, penalties from HMRC, or any other direct, indirect, consequential, or incidental harm arising from reliance on any calculator output or content on this site. You use the site entirely at your own risk.

7. Links to third-party sites

BracketMath links to a variety of third-party websites, including HMRC, FCA-authorised pension providers, accountancy software vendors, and editorial sources. We have no control over the content of third-party sites and accept no responsibility for their accuracy, security, privacy practices, or any consequence of you using them.

8. Get advice for big decisions

Strong rule of thumb: if a decision involves more than £5,000 of tax or £25,000 of pension wealth, get advice from a qualified professional. The fee for a one-hour consultation with a chartered accountant or an independent financial adviser is typically £150–£400 and is almost always worth it relative to the size of the decision. BracketMath is designed to make you a more informed client when you sit down with that adviser — not to replace them.

Contact

Questions about this disclaimer? Email [email protected].

Last updated: 12 May 2026.