Terms of Use & Disclaimer

Last updated: [DATE]

In short: this tool gives an estimate to help you understand roughly what you might owe. It is not tax, financial, or professional advice, and you should not rely on it to file your return or make financial decisions without checking against official HMRC figures or a qualified adviser.

1. What this site is

[yoursite.co.uk] provides free online calculators to help UK self-employed individuals estimate their Income Tax and National Insurance liability. It is provided for general information purposes only.

2. No professional advice, no client relationship

Using this calculator does not create an accountant-client, tax adviser, or any other professional relationship between you and us. The results are an estimate based on the figures you enter and the tax rates and thresholds we've built in for the relevant tax year — they do not account for every possible circumstance (for example, specific reliefs, unusual income types, or changes announced after this tool was last updated).

3. Accuracy

We take reasonable care to keep the figures used in this calculator up to date and aligned with published HMRC and gov.uk rates. However, tax rules change, and errors can occur. Always cross-check your final figures against gov.uk or with a qualified accountant before filing a return or making financial decisions.

4. Limitation of liability

To the fullest extent permitted by law, [your name / trading name] accepts no liability for any loss or damage arising from reliance on this tool, including but not limited to incorrect tax filings, penalties, or financial loss. This does not exclude or limit our liability for death or personal injury caused by negligence, or for fraud, or anything else that cannot be excluded under UK law.

5. Affiliate disclosure

Some links on this site are affiliate links. If you click through and make a purchase (for example, of self-assessment software), we may earn a small commission at no extra cost to you. This never influences which figures the calculator shows you — only which third-party services we mention as options. We only link to services we believe are genuinely useful for self-employed taxpayers.

6. Advertising

This site may display advertising via Google AdSense to help cover running costs. See our Cookie Policy for details on how ad personalisation works and how to opt out.

7. External links

Links to third-party sites (including gov.uk, software providers, and others) are provided for convenience. We don't control and aren't responsible for the content or practices of external sites.

8. Changes

We may update these terms or the calculators at any time without prior notice. Continued use of the site after changes means you accept the updated terms.

9. Governing law

These terms are governed by the laws of England and Wales (or Scotland/Northern Ireland if that's where you're based — [adjust to your registered location]), and any disputes fall under the exclusive jurisdiction of the courts there.

10. Contact

Questions about these terms? Email [your email address].


This is a template and does not constitute legal advice. Have it reviewed against your specific circumstances — ideally by a solicitor — before publishing, especially once the site starts earning meaningfully.