Information and education, not personal advice
Life Figured provides general financial information, educational content and calculation tools. It does not provide personal financial, investment, pension, mortgage, tax or legal advice, and it does not assess whether a particular financial product, investment, mortgage or course of action is suitable for you.
The site is designed to help you understand numbers, compare hypothetical scenarios and identify questions you may want to explore further. You remain responsible for your financial decisions.
Calculators are illustrative
Calculator results are estimates produced from the figures and assumptions entered. They may simplify real-world rules and do not constitute quotes, offers, lending decisions, tax calculations or guarantees. Actual outcomes can differ because of fees, charges, taxes, product terms, lender criteria, market movements, timing and changes in law or personal circumstances.
Investments and retirement projections
Any investment or retirement growth figures are hypothetical illustrations, not forecasts or promised returns. The assumed return is an input used to demonstrate compounding. Investment values and income can fall as well as rise, and you may get back less than you invest. Past performance is not a reliable guide to future performance. Fees, charges, inflation and tax can materially affect outcomes.
Mortgages and borrowing
Mortgage and affordability tools illustrate scenarios only. They do not recommend a mortgage, lender, borrowing amount or repayment strategy and do not determine eligibility. Lenders apply their own affordability assessments, criteria, rates and fees. Your home may be at risk if you do not keep up repayments on a mortgage or other loan secured on it.
Tax
Tax calculations and articles are simplified educational estimates. Tax rules, rates and allowances can change, may differ by jurisdiction and can depend on individual circumstances. Check current official guidance or obtain professional tax advice where appropriate before acting.
Debt and budgeting
Debt and budgeting tools illustrate repayment and spending scenarios; they are not debt counselling or a recommendation to enter, vary or repay a particular credit agreement. If you are struggling with debt or repayments, consider seeking free, independent debt help from an appropriate UK service.
Different countries
Life Figured includes tools and content for more than one country. Labels, tax assumptions, terminology and rules can differ by location. Always check that the selected region and assumptions match your circumstances and verify important figures with current official sources.
Professional help
For decisions involving investments, pensions, mortgages, tax, debt or other significant financial commitments, consider using an appropriately qualified and, where relevant, FCA-authorised professional who can consider your full circumstances.
No product recommendation
Unless clearly stated otherwise in future, Life Figured does not recommend, arrange or endorse specific investments, mortgages, lenders, pension products or other regulated financial products. References to categories of products are for explanation and comparison only.
Keeping information current
We aim to keep information useful and accurate, but financial rules and rates change. A page may not reflect a very recent change. Check the date and assumptions shown and verify time-sensitive information before relying on it.
Last updated: 4 October 2026.