Legal & privacy

Last updated: 12 October 2026

Disclaimer

calcul8.loan provides a loan payment calculator for general information and illustration only. The results are estimates based on the figures you enter and on simplifying assumptions, such as a constant interest rate after the fixed-rate period and no fees, insurance or taxes. They are not an offer of credit or a quote, and they are not financial, legal or tax advice.

Actual payments depend on your lender's terms and may differ. Always confirm figures with your lender, and consider speaking to a qualified adviser before making financial decisions.

Privacy

What we collect

The calculator runs entirely in your browser. The amounts, rates and other values you enter are not sent to us or stored by us.

Stored on your device

Your chosen currency and light or dark mode are saved in your browser's local storage so the site remembers them next time. This stays on your device and you can clear it at any time through your browser settings.

Advertising and cookies

We show ads to keep the calculator free. Ads are provided by Google AdSense. Google and its partners use cookies and similar technologies to serve ads, to measure how they perform and, where you allow it, to personalise them based on your visits to this and other websites.

If you are in the European Economic Area, the United Kingdom or Switzerland, we ask for your consent before personalised ads or ad cookies are used, and you can change your choice at any time with the Cookie settings link at the bottom of every page. Our cookie policy lists the cookies used. You can also manage personalised advertising from Google at adssettings.google.com, and learn more in how Google uses information from sites that use its services.

The values you type into the calculator are never shared with advertisers.

Hosting

Like any website, our hosting and network providers may automatically log basic technical information when you visit, such as your IP address, browser type and the pages requested. They use these logs to deliver the site securely and reliably.

Terms of use

By using this site you agree to these terms.

• The site is provided "as is", without warranties of any kind, including accuracy, completeness or fitness for a particular purpose.
• To the extent permitted by law, we are not liable for any loss or damage arising from your use of, or reliance on, the site or its results.
• You may use the calculator for personal, non-commercial purposes. Please do not misuse the site or try to disrupt it.
• We may change the site or these terms at any time. The date at the top shows when they were last updated.