Disclaimer

Last updated: 2026-10-03.

Not advice

Everything on Sumly, including calculator results, guides and FAQs, is general information only. It is not financial, investment, tax, mortgage or legal advice. We are not authorised or regulated by the Financial Conduct Authority to give financial advice.

Estimates only

Calculator results are estimates based on the information you enter and on the published rates we use. They make simplifying assumptions, which are explained on each tool's page, for example a standard tax code or the rates for one part of the UK. Your actual tax, repayments or costs may be different.

Rates change

Tax rates, thresholds, allowances and interest rates change, often in each Budget and each April. We aim to update our tools promptly, but there may be a delay. Each guide shows the date it was published or last updated.

Check before you act

Before making financial decisions, check the figures with the relevant official source, such as GOV.UK or HMRC, your employer, your lender or your solicitor, or speak to a regulated adviser. Free, impartial guidance is available from MoneyHelper.

Reporting mistakes

If you think something is wrong, please tell us at hello@sumlytools.com and we'll check it.