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the Shape of Money has tried to ensure that the information on this site is accurate. However, the Shape of Money and its staff do not accept any responsibility for any errors or omissions, or for any loss resulting from reliance on, or the use of, the information it contains.

The information on this site is intended as a guide only. The information is of a general nature and does not and cannot ever constitute personal advice.

Please note that the calculators are to be used as a guide only. While every care has been taken by the Shape of Money to ensure their accuracy, the Shape of Money does not and cannot accept any responsibility for any loss, damage or liability from reliance on the results of the calculators.

Links to external web sites are provided purely as pointers to additional information.

We recommend that you consult an independent financial adviser with respect to any important financial decision.