Disclaimer
Our calculators are accurate about the arithmetic. They cannot know your full circumstances — and that is usually what changes the answer.
General
The content and tools on ayduke.com are provided for general information and education. They are not financial, tax, legal, medical or other professional advice, and should not be relied on as the only basis for a decision.
Money, tax and payroll tools
Tax calculators apply the bands, allowances and contribution rates for the tax year shown on the page. They deliberately simplify: they do not model every allowance, relief, benefit-in-kind, salary-sacrifice arrangement, regional variation, mid-year change of circumstances or double-taxation position.
Lenders add product fees, stress-test rates and their own affordability rules, so a real mortgage or loan offer will differ from a repayment schedule computed here. For a filing, a settlement or a credit application, confirm with the tax authority, your employer's payroll or a qualified accountant or adviser.
Health and fitness tools
Health tools implement published population formulas (for example Mifflin-St Jeor for metabolic rate, the US Navy method for body fat, WHO cut-offs for BMI). They are screening and planning aids, not diagnostics, and they cannot account for medical conditions, medication, pregnancy, athletic body composition or clinical measurement error. Speak to a clinician before making decisions about diet, training or medication, and never delay medical care because of a number on this site.
Identifier and security tools
Identifier validators check format and checksum only. A number can be structurally valid and still not exist, not belong to the person quoting it, or be inactive — only the issuing authority can confirm that. Password and hash tools run on our server for one request and are not logged, but for production secrets you should use a local tool or a password manager rather than any website.
Exchange rates and third-party data
Exchange rates come from the European Central Bank daily reference feed and are cached for a few hours. They are reference rates for information, not dealing rates: the price you get from a bank or broker will include a spread. If the feed cannot be reached the tool falls back to an indicative table and says so on the page.
Errors and corrections
If you believe a result or a rate is wrong, please tell us — see contact. We correct confirmed errors quickly and note significant changes in the review date on the affected page.