Disclaimer

The information and tools provided by UtilityApps are for general informational and educational purposes only. While we work to keep our calculators accurate and our articles current, we make no warranties about the completeness, reliability, or accuracy of any content. Any action you take based on the information you find on the Service is strictly at your own risk.

Financial calculators are not financial advice

Our financial tools — including the loan calculator, mortgage calculator, salary calculator, tax calculator, and currency converter — produce estimates based on the numbers you enter and a published formula. They do not account for your full financial situation, applicable fees, regional regulations, or current market conditions.

• The results are not guaranteed to match the figures any specific lender, employer, or tax authority will produce.
• Tax brackets, rates, and rules change every year. Always confirm with your tax authority or a qualified accountant.
• Loan and mortgage amortization assume regular, on-time payments and no prepayments unless specified.
• Currency conversion uses indicative mid-market rates that differ from what banks and card issuers actually charge.

Always consult a licensed financial advisor, accountant, or attorney before making major financial decisions.

Health calculators are not medical advice

Our health tools — including the BMI calculator, calorie calculator, and macros calculator — use general formulas widely accepted in clinical practice. They do not account for your individual medical history, pregnancy status, medications, conditions, or genetic factors. They are not a diagnostic tool.

• BMI is a population-level screening tool. It does not measure body fat, fitness, or metabolic health, and it can misclassify athletes, older adults, and certain ethnic groups. See our article on BMI accuracy.
• Calorie targets are estimates with typical error margins of 5–15%. Listen to your body and adjust based on real-world results.
• If you have an eating disorder history, are pregnant, are nursing, or have any medical condition, consult a registered dietitian or physician before changing your diet.

Always consult a qualified healthcare professional before making changes to your diet, exercise routine, or any aspect of your health.

Tools are not legal advice

Articles or tools that touch on contracts, privacy, taxes, or compliance are not a substitute for legal advice. Laws vary by jurisdiction and change over time. Consult a licensed attorney for guidance on your specific situation.

Results are estimates

By their nature, calculators produce estimates based on inputs you provide and generic assumptions. Always cross-check important results against authoritative sources before acting on them.

External links

The Service may contain links to third-party websites or services that are not owned or controlled by UtilityApps. We have no control over and assume no responsibility for the content, privacy practices, or practices of any third-party websites. Some external links are affiliate links — see our affiliate disclosure for details.

Updates

This disclaimer may be updated from time to time. The “Last updated” date at the top reflects the most recent change. Continued use of the Service after a change means you accept the updated disclaimer.

Contact

Questions or corrections? Email hello@utilityapps.site or use our contact form.