Transparency and calculation notes

Methodology

Reviewed July 13, 2026

Every calculator is a deterministic planning model: the same inputs produce the same outputs. Calculations run locally in the browser and update as assumptions change.

Core calculation principles

• Cashflow results distinguish income, recurring expenses and once-off costs.
• Loan repayments use amortisation logic with the entered balance, rate and term.
• Investment and savings projections compound at the entered rate and contribution frequency.
• Inflation-adjusted values discount future money using the selected inflation assumption.
• Tax calculations use the selected simplified profile or custom effective rate.
• Risk and recommendation labels are interpretation aids, not predictions or approvals.

Stress testing

A single forecast can create false confidence. Each decision should be tested with at least one adverse but plausible case. Examples include higher borrowing rates, lower investment returns, higher inflation, reduced variable income, unexpected repairs or a shorter holding period.

Data and sources

Most values are supplied by the user. Historical inflation comparisons use bundled World Bank consumer price index series and identify the source inside the inflation calculator. Market benchmark rates and calculator defaults are editable assumptions; they are not live quotes or forecasts.

Rounding and currencies

Intermediate calculations generally retain full numeric precision while displayed results are rounded for readability. Selecting a currency changes labels and formatting only; it does not perform foreign-exchange conversion.

Known limitations

The models do not reproduce every tax credit, lender rule, insurance definition, investment tax event, sequence of market returns or individual legal term. Results depend on the accuracy and completeness of the inputs. Relevant calculator pages provide additional formula, assumption and limitation notes.

Corrections and review

Calculations are reviewed when functionality or underlying reference data changes. Users should verify important results against current statements, product quotations and official rules before acting.