Legal & Disclaimer

Last updated: 19 August 2026.

What MoneyZio.com is

MoneyZio.com is a general information website. Our calculators and guides are provided to help you understand roughly what UK tax, National Insurance, mortgage borrowing, and budgeting figures might look like, based on publicly available HMRC rates and common industry practices for the 2026/27 tax year.

What MoneyZio.com is not

MoneyZio.com does not provide financial advice, tax advice, or regulated financial promotions. We are not a financial adviser, mortgage broker, accountant, or tax agent, and nothing on this site should be treated as a recommendation to take any particular financial action. We do not refer users to specific mortgage lenders, tax filing services, or loan providers, and we receive no commission for any financial product.

Accuracy of figures

We make a genuine effort to keep the figures on this site accurate and up to date, and we source them from HMRC and other official or well-established references. However, tax rules are complex and depend on your individual circumstances — your tax code, benefits, expenses, and other personal factors can all affect your actual figures. Always confirm your exact position with HMRC, a qualified accountant, or a regulated financial adviser before making financial decisions.

Mortgage Guide specifically

Our Mortgage Guide gives a rough estimate based on commonly used lender income multiples (4x–4.5x combined income, up to 5.5x at specialist lenders). It is not a mortgage in principle, an affordability assessment, or an offer of lending from any lender. Actual borrowing depends entirely on individual lenders' own criteria, your credit history, and your financial circumstances.

Advertising and tracking

MoneyZio.com displays advertising from Google AdSense and sponsored product links from Amazon Associates, AliExpress, and Awin. These use cookies to serve ads, measure performance, and attribute referral commissions. These cookies are only set after you actively accept them via the cookie banner shown when you first visit — see our Privacy Policy for the full detail on what each of these services does. If you decline, no advertising or affiliate cookies are set, and every calculator on this site still works exactly the same. We do not carry adverts for financial products, lenders, or tax services, and advertising never appears within calculator results themselves.

Your data

Our calculators run entirely in your browser. The numbers you enter are not sent to, stored on, or shared from our servers. If you use the "save this calculation" feature or the dark mode toggle, that information is stored locally on your own device, using your browser's own storage — we never see it, it never leaves your device, and it isn't a cookie in the traditional sense. See our Privacy Policy for the full detail.

Contact

If you spot an error in our figures or have a question about this page, we'd like to hear from it.

Email: help@moneyzio.com
Post: MoneyZio.Com, DS Unit 171088, PO Box 7169, Poole, BH15 9EL