Terms and important information

Last updated: 11 November 2026.

Use of the calculators

The tools are provided free of charge for information and personal planning. Outputs depend entirely on user inputs, standard formulas and the assumptions described beside each tool. Actual prices, costs, consumption and financial outcomes may differ.

Not regulated advice

The website does not provide individualised financial, legal, medical or professional advice. You are responsible for checking details with relevant providers and qualified professionals before making important decisions.

Availability and accuracy

We aim to make the tools useful and correct, but do not guarantee uninterrupted operation or suitability for every use case. If you discover an error, please contact the operator using the details at mode-x.co.uk.

Commercial links

No sponsored links or advertising placements are active at launch. If we introduce them, they will be appropriately identified.

Copyright

Website design, original written content and code are protected by applicable law. Ordinary personal use of the free tools is welcome.