Last updated: 6th of October 2026
These terms govern your use of RetirementCalculators.uk (the “Site”), operated from https://retirementcalculators.uk. By accessing or using the Site, you agree to these terms. If you do not agree, please do not use the Site.
1. Who may use the Site
The Site is intended for users who are at least 18 years old (or the age of majority in your jurisdiction). By using the Site, you confirm that you meet this requirement.
2. What the Site provides
The Site offers educational calculators, articles, and related content about retirement planning and personal finance topics. We may add, change, or remove tools and content at any time.
3. Not advice
All information on the Site is for general education and illustration only. It is not regulated financial advice, investment advice, tax advice, legal advice, or any other regulated professional advice, and it is not a personal recommendation or solicitation.
We do not know your full financial situation, objectives, health, tax residence, or risk tolerance. You are responsible for your own decisions. Before acting on any information, consider speaking to a qualified professional who is authorised to give advice in your jurisdiction (for example a regulated financial adviser or tax adviser where appropriate).
4. Calculators and results
Calculators use simplified assumptions, default inputs, and mathematical models. Outputs are illustrative only. They may omit factors relevant to you, and they are not predictions of future investment returns, tax outcomes, or eligibility for benefits. Tax rules, allowances, pension schemes, and markets change over time; we do not guarantee that any default or explanation reflects the latest law or product terms.
You should treat results as a starting point for your own research, not as a plan you can rely on without further verification.
5. No warranties
The Site and its content are provided on an “as is” and “as available” basis. To the fullest extent permitted by law, we disclaim all warranties and representations (express or implied), including any implied warranties of merchantability, fitness for a particular purpose, accuracy, completeness, or non-infringement.
We do not warrant that the Site will be uninterrupted, error-free, or free of harmful components. You use the Site at your own risk.
6. Limitation of liability
To the fullest extent permitted by applicable law (including the Consumer Rights Act 2015 and other mandatory UK consumer protections where they apply), we (and our directors, owners, contractors, and suppliers) will not be liable for any indirect, consequential, special, or punitive damages, or for any loss of profit, revenue, data, goodwill, or opportunity, arising from or related to your use of the Site or reliance on its content, whether or not we have been advised of the possibility of such loss.
Subject to the paragraph below, our total aggregate liability for any claim arising from or related to the Site or these terms shall not exceed the greater of £50 and the amount you have paid us specifically for use of the Site in the twelve (12) months before the claim (if any—most use of the Site is free).
Nothing in these terms excludes or limits liability that cannot be excluded or limited under applicable law, including liability for death or personal injury caused by negligence, fraud or fraudulent misrepresentation, or any other liability which cannot be limited by law.
7. Your responsibilities
You agree to use the Site only for lawful purposes and in a way that does not infringe the rights of others or restrict their use of the Site. Without limitation, you must not:
- attempt to gain unauthorised access to the Site, our systems, or other users’ data;
- introduce malware, excessive automated traffic, or other harmful or disruptive material or activity;
- scrape, harvest, or extract data from the Site in a way that overloads our systems or breaches these terms (reasonable personal caching in your browser is fine);
- misrepresent your identity or affiliation;
- use the Site to build a competing product or service by systematically copying our content or calculator logic where that goes beyond fair dealing or fair use.
8. Intellectual property
Unless otherwise stated, content on the Site (including text, layout, branding, calculator interfaces, and original graphics) is owned by us or our licensors and is protected by copyright and other intellectual property laws.
You may view and print reasonable portions for personal, non-commercial use, and you may link to public pages, provided you do not imply endorsement where none exists. Any other reproduction, distribution, modification, or public display requires our prior written permission unless permitted by law (for example fair dealing for criticism, review, or news reporting).
9. Third-party links and tools
The Site may link to third-party websites, tools, or services. We do not control them and are not responsible for their content, availability, or privacy practices. Your use of third-party sites is governed by their own terms and policies.
10. Financial coaching and communications
If we offer coaching, consultations, or similar services, separate terms and disclosures may apply at the point you book or pay. Unless expressly agreed in writing, any general content on the Site remains non-regulated educational information and not personal advice.
11. Plan Hub accounts and subscriptions
Plan Hub is our paid planning tool. You save a retirement plan, test what-if scenarios, record check-ins and download reports. This section applies when you create a Plan Hub account or subscribe, alongside the rest of these terms.
Plan Hub figures are illustrations, in the same way as our calculators. Sections 3 and 4 apply to them in full.
Your account
You need an account with your own email address and password. Keep your login details private. You are responsible for what happens on your account.
Free trial
New accounts get a 7-day free trial with full access. You do not need a card to start it, and nothing is charged when it ends.
After the trial your plan stays saved. You can still view it, download a copy of your data or delete it. To keep editing your plan, record check-ins and download reports, you need a subscription.
Price and payment
Plan Hub costs £60 a year. While our launch offer runs, new subscribers pay £30 a year instead and keep that price for as long as their subscription continues. If you cancel and subscribe again later, you pay the price on offer at that time.
We are not VAT registered, so no VAT is added.
Payments are handled by Stripe, our payment provider. You can pay by card or a digital wallet such as Apple Pay or Google Pay. We never see or store your full card details.
If you subscribe during your free trial, your first payment is taken straight away and your year starts that day.
Renewal
Your subscription renews automatically every year on the same date until you cancel. We email you before each renewal.
If we ever change the price of your subscription, we will email you at least 30 days before the renewal it applies to, so you can cancel first if you want to. The launch price does not change while your subscription continues.
If a renewal payment fails, Stripe tries the card again over the following days and we ask you to update it. You keep full access while it retries. If the payment still cannot be taken, your subscription ends and your Hub becomes view only.
Cancelling
You can cancel any time from Settings in Plan Hub, using Manage subscription. Your subscription then stops at the end of the year you have paid for. You keep full access until that date and nothing more is charged.
When your subscription ends, your plan stays saved. You can still view it, download a copy of your data or delete it, and you can subscribe again at any point.
Refunds
If you change your mind, email us at support@retirementcalculators.uk within 14 days of your first payment and we will refund it in full. The same applies within 14 days of each yearly renewal. Your subscription ends when the refund is made.
Outside those 14 days we do not refund part of a year, but cancelling stops any further payments. None of this affects your legal rights, for example if the service is faulty.
Beta testers
If you helped test Plan Hub during the beta, your account is free until the date shown in Settings. After that these terms apply in the same way. You can subscribe before your free year ends and your first payment is taken when it ends. If the launch offer is still running when you subscribe, you get the launch price.
If we stop offering Plan Hub
If we ever close Plan Hub, we will email you at least 30 days before, give you time to download your data, and refund the unused part of your subscription.
12. Indemnity
You agree to indemnify and hold harmless RetirementCalculators.uk and its operators from any claims, damages, losses, or expenses (including reasonable legal fees) arising from your misuse of the Site, your violation of these terms, or your violation of any law or third-party rights, except to the extent caused by our own negligence or wilful misconduct.
13. Changes to the Site and to these terms
We may update the Site and these terms from time to time. We will update the “Last updated” date when we change these terms. Your continued use of the Site after changes constitutes your acceptance of the revised terms. If you do not agree, you should stop using the Site.
14. Suspension
We may suspend or restrict access to the Site where reasonably necessary for security, maintenance, legal compliance, or to prevent misuse.
15. Governing law and disputes
These terms are governed by the laws of England and Wales. The courts of England and Wales shall have exclusive jurisdiction, subject to any mandatory rights you have as a consumer in your country of residence.
16. Privacy
Our collection and use of personal data is described in our Privacy policy. For privacy-specific questions, contact privacy@retirementcalculators.uk.
17. Contact
Questions about these terms: privacy@retirementcalculators.uk
These terms are intended to be clear and proportionate for a small educational website. They are not a substitute for legal advice tailored to your business.